consider their integrity and independent, and did not explain how an auditor determined why the internal audit work was adequate and appropriate to be used as audit evidence. No extensions of audit scope

extensions or possible early closure or shortening of this period. Describe the manner in which the latter shall be made public. If the exact dates are not known when the prospectus is first filed or

quality. Credit bureau data is used to support credit limit renewals and credit quality management, thus achieving greater efficiency. Regarding debt collection from large business customers, KBank assesses

signals to prevent deterioration in credit quality. Credit bureau data is used to support credit limit renewals and credit quality management, thus achieving greater efficiency. In the matter of debt

control asset quality, as well as credit- utilization behavior, as early warning signals to prevent deterioration in credit quality. Credit bureau data is used to support credit limit renewals and credit