period of the previous year as a result of negative news related to manufacturers of substandard products and the closure of the biggest wholesale skincare market in the country last April which posted a

addition, the Company continued to be negatively impacted by news related to manufacturers of substandard products and the closure of the biggest wholesale skincare market in the country since last April

sales structures to be more appropriate. Furthermore, the Company was negatively affected by news related to manufacturers of substandard products and the closure of the biggest wholesale skincare market

for overseas business expansion. Additionally, the Company continued to be adversely affected by news related to manufacturers of substandard products and the closure of the biggest wholesale skincare

points of the criteria can be summarized as follows:  Banks are allowed to conduct customer identity verification either in-person or remotely via the National Digital ID Platform (NDID).  To verify

December 2018 March 2018 Normal 1,901,489 1,962,102 1,853,402 15,567 16,215 14,550 Special mentioned 50,516 46,501 37,711 623 591 452 Substandard 11,044 5,460 12,077 4,121 1,018 6,737 Doubtful 19,035 20,884

March 2017 March 2018 December 2017 March 2017 Normal 1,853,402 1,875,782 1,801,607 14,550 14,983 13,986 Special mentioned 37,711 45,815 48,377 452 591 593 Substandard 12,077 11,760 12,188 6,737 5,275

2017 December 2016 June 2017 March 2017 December 2016 Normal 1,853,978 1,801,607 1,830,827 14,953 13,986 14,502 Special mentioned 42,306 48,377 46,058 550 593 548 Substandard 17,482 12,188 9,495 9,029

Special mentioned 48,646 42,306 46,058 619 550 548 Substandard 11,955 17,482 9,495 5,364 9,029 2,589 Doubtful 20,487 16,430 16,050 10,766 8,246 10,140 Doubtful of loss 55,834 52,083 43,316 36,135 33,744

in merchandise exports, which started to impact domestic demand. Going forward, the risks to financial system stability need to be managed cautiously through both microprudential and macroprudential