I would first like to express my deepest gratitude to our customers, shareholders, and employees who have led the growth of JB Financial Group.

JB Financial Group has grown into a comprehensive financial group with five domestic affiliates including Jeonbuk Bank, Kwangju Bank, JB Woori Capital, JB Asset Management and JB Investment and four overseas second-tier subsidiaries including Phnom Penh Commercial Bank, JB PPAM, JB Capital Myanmar and JB Securities Vietnam.

JB Financial Group will continue to spare no effort to become a robust financial group in domestic and international financial market by establishing and developing our own differentiated core value.

Furthermore, in order to be trusted by the society, JB Financial Group will do our best to actively communicate with outside stakeholders including customers and shareholders, and contribute to the regional development.

I sincerely ask for your continued interest and support for JB Financial Group's efforts, and hope you continue to be with us.

Thank you.