classification may somewhat help ease the impact of deteriorating quality of normal loan to NPLs. Meanwhile, most banks are expected to emphasize efficient cost management and adjust their operating strategies in

advancing digital age. For operating income in 2017, most commercial banks could maintain net interest margin (NIM) due to overall effective cost management despite the deteriorating quality of loans granted

decrease in income from insurance business. Our coverage ratio rose over-year, while gross NPL ratio decreased slightly from the end of 2017, despite the deteriorating quality of loans granted to certain