via electronic channels, we provide an added channel to sign up for K-Debit Card via the K PLUS app. Moreover, we organized a promotional program to spur spending with K-Debit Card in addition to the

the “One Card for Use Every Day” strategy to spur greater spending via numerous campaigns across all spending categories in every area. Moreover, we employed digital marketing to communicate with our

to promote the application for debit card via mobile phone and spur greater card spending. 3.4 Service Channels In the second quarter of 2018, KBank maintained our commitment to developing efficiency

meet customers’ needs and spur spending via K-Credit Card. With regard to personal loan, KBank has developed features of Xpress Cash that allow customers to make an installment payment under the KBank