Introduction & Overview 1 Monica Bae Regional Lead, Capital Markets CDP SEA & Oceania CDP is a global environmental impact non-profit working to secure a thriving economy that works for people and

CDP is a global environmental impact non-profit working to secure a thriving economy that works for people and planet. 11 ABOUT CDP CDP CAPITAL MARKETS | @CDP CDP runs the global disclosure system that

of the management in order to assist investors to better understand the company's financial status and operation. It also supports the "Good Corporate Governance Project" of the Securities and Exchange

of 2019, KBank continued to prioritize upgrades of our capability in data compilation and analytics. This will allow us to understand and anticipate each individual customer’s needs under the “Segment

endeavors aim to understand and anticipate each individual customer’s needs under the “Segment of One” concept and to provide smart personalized “Financial and Life Solutions” to the right customer at the

extended our aspiration to become the most-preferred platform that can meet customers’ needs in every aspect of their lives. All of these endeavors aim to understand and anticipate each individual customer’s

the Notification of the SEC Office regarding Approval of Auditors; 5. I entirely understand the code of ethics for professional accountants and will perform audit work in compliance with the code; 6. I

Omnichannel platform which is thriving as we attract new customers and welcome back existing ones. After reopening stores, our sales and profit in the third quarter have steadily recovered compared to the last

of short-term volatility. Meanwhile, KPB Investment Flash on COVID-19 was introduced as a dedicated YouTube channel to provide precise and easy-to- understand information in the form of video clips, in

” concept. Moreover, under the “Segment of One” concept, we focus on strengthening our capabilities by using data and advanced technology to understand and anticipate each individual customer’s need and