purchase, housing and real estate lending segment. The Bank continues with prudent measures in regards to loan growth and portfolio quality monitoring taking into careful considerations the slowdown in

mainly from the hire purchase, housing and corporate lending segment. The Bank continues with prudent measures in regards to loan growth and portfolio monitoring taking into careful considerations the

and engagement level. In 2015, the SEC adjusted the composition of the QARP by including professional practitioners on the panel to benefit from their views on practical issues and to ensure careful

exchange rates. KBank hence prioritized effective risk management in order to cope with economic uncertainties both at home and abroad. We adopted a prudent credit policy, accounting for customer potential

financial institution, the securities company may comply with the policy of security of the information technology of such financial institution. [M] o Reviewing and modify updatable by having a risk

as commercial banks are expected to maintain a cautious stance in their business operations, especially through a proactive approach in asset quality management. Over the short term, however, they may

/or Audit Committee which is different opinion from the Board of directors None The Company certifies that all information contained in this information memorandum is true, accurate as well as prudent

this information memorandum is true, accurate as well as prudent and depending on maximizing of shareholder interest. In addition, the proposed of this information memorandum is for providing information

stringent customer approval criteria for commercial lending policies vis-à-vis small and micro businesses. We continued to prioritize risk assessment through prudent screening and close monitoring of

accountable to shareholders for the prudent use of the capital entrusted to them. Constructive dialogue between investors and companies helps business leaders be the best they can be. Understanding investor