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respond to the varied risk levels of different customer groups. Customers are managed in such a way as to prevent them from becoming NPLs, with a focus on swift and efficient management of recovery and

debts, KBank has enhanced recovery and collection strategies to better respond to the varied risk levels of different customer groups. KBank managed customers in such a way as to prevent them from

customer approval criteria for commercial lending policies vis-à-vis small and micro businesses. Focus has been on formulating area- based lending strategies to match the different natures of businesses in

efforts in strengthening corporate governance in the industry. In the year ahead, countless different challenges are bound to arise and test our strengths, but I believe the SEC management and staff will

line with other regional currencies due to concern over the looming trade war between the US and China. Meanwhile, the Monetary Policy Committee (MPC) resolved to keep the key policy rate unchanged at

general public. We embarked on a proactive approach using diverse channels such as the star t- to- invest f ree mobi le appl icat ion for d isseminat ion of fundamental financial knowledge. The application

investment, impact investing, ESG engagement, stewardship, socially responsible investment (SRI) and sustainability investment will imply different activities for different parties. And, confusingly, sometimes

○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ ○ Financial literacy promotion The SEC uses different tools to promote financial literacy of investors and the public, especially in the areas of knowledge on rights and duties of stakeholders, products and

SECURITIES AND EXCHANGE COMMISSION Global economic growth was low in 2014 with large economies experiencing diverse levels of growth and prospects. While the United States and the United Kingdom achieved