context, KBank and K Companies operate our business as a Bank of Sustainability under appropriate risk management and good corporate governance. We accentuate enhancement of our business capabilities to

enhancement of our business capabilities to achieve sustainable growth and returns while maintaining our long-term market leadership. Guided by our core strategies of “Customer Centricity”, KBank has extended

the enhancement of our business capabilities to achieve sustainable growth and maintain our market leadership over the long term through collaboration and synergy with other companies within

the figure seen on December 31, 2018, because of purchases of more equipment items to serve demand from the market and the enhancement of service standard at the Studio Park project. The total

located in a single branch. (2) Electronic Network comprises: - K-ATMs and K-CDMs: Service efficiency enhancement has been a major focus to accommodate secure, round-the-clock financial transactions, and to

great emphasis on effective revenue generation from new malls, asset enhancement, coupled with efficient operating costs management. Currently, CPN manages 30 shopping malls with the net leasable area

revenue generation through new shopping malls, enhancement of existing malls, as well as efficient cost management. CPN currently manages 32 shopping malls with the net leasable area (NLA) of approximately

% in previous year to 26.43% due to change in product sales mix of general merchandise and the enhancement of directly sourced private-label goods’ profit margin, as well as the continuous efficiency

transportation costs, the gross profit margin as a percentage of sales has increased from 26.49% in the previous year to 27.10% due to change in product sales mix of general merchandise and the enhancement of

-to-expiration), the results are not significantly different. DW: S50XXCXXXXA, Underlying: SET50 Index DW Option *The benefits of derivatives are risk management, price discovery, and enhancement of