, nothing in this document should be construed as constituting legal, business, tax or financial advice. This material contains “forward-looking” statements that relate to future events, which are, by their

Principles on integrated business reporting 8 Part 2: Guidance on disclosure 11 2.1 Forward-looking 11 2.2 Material, relevant and timely 11 2.3 Long-term strategy 12 2.4 Integrated reporting 12 2.5 Key

, tax or financial advice. This material contains “forward-looking” statements that relate to future events, which are, by their nature, subject to significant risks and uncertainties. These forward

() • TCFD is not just a climate disclosure framework, but it can be a strategic management framework - To help organization manage risks and opportunities in a more forward looking way • To comply with the

-to-equity ratio of 2.97 times and the interest-bearing debt to equity ratio of 2.61 times. Forward Looking The Company's operation has been continuing to set goals for the sustainability of the

accounting period and forward looking statements, as well as the accounting policies and reasons given for applying such policies.?    

these regulatory changes. We have prepared internal processes and developed employees’ skills to ensure that our services are appropriately provided to customers in line with international standards

forecast of 3.5 percent, due to anticipated weakness in developed economies throughout the first half of 2019. The global slowdown will not only dampen the international trade and investment atmosphere, but

’ business and financial standing, as well as supporting their growth and opportunities. Along with that, we developed our business in various dimensions – customers, product domains and service channels – so

was uneven, with improvement concentrated in only certain industries. Under these circumstances, KBank has developed effective credit risk management policies, tools and processes to cope with potential