KBank has formulated credit policies, targets and processes that account for ESG Credit Policy in a concrete manner. We have established an exclusion list and sector-specific guidelines to ensure that all projects under our support are committed to effective management of environmental and social impacts in order to ensure their stable growth and create sustainable returns for all stakeholders. These practices have been undertaken continuously, and all project finances are required to fully pass the ESG criteria. With our commitment to the UN Principles for Responsible Banking, KBank will be able to align our business operation with international standards.