KB Financial Group established the "Ethics Charter," an ethical code for all employees to follow, in January 2010, and held a proclamation ceremony to express its commitment to ethical management.

To emphasize the importance of compliance and ethical management to employees, we provide regular anti-corruption and compliance education and training to prevent corruption.

In case of external activities of executives and employees, such as external lectures, articles, interviews, etc., we require prior approval from the company to determine whether the income earned as a result of external activities should be attributed to the company. Specifically, when attending programs such as domestic and overseas training, seminars, etc. that are paid for by external organizations, we examine the relevance of work and whether the hospitality may impose a burden on the proper performance of work in the future, and allow attendance only if there is no conflict of interest.

If KB Financial Group executives and employees believe that ethical conflicts such as conflicts between company interests and personal interests may arise or occur in the performance of their duties, they shall conduct a self-diagnosis using the 'Self-Diagnosis Checklist for Ethical Decision Making'.

When selecting suppliers for goods and services, we disclose contract-related conflicts of interest in advance, and operate an integrity contract system to inform suppliers of the operation of the integrity contract system and include integrity contract clauses in contracts in order to strengthen transparency in contracting.

We conduct actual inspections and theme/special inspections by specialized personnel and reflect matters requiring improvement in our management activities based on the inspection results.

We strictly prohibit retaliation, threats, or penalties against employees who report unethical or illegal behavior or suspected behavior, and this protection also applies to anyone who provides information or otherwise cooperates in an investigation.

We operate dedicated reporting channels to receive reports of violations of laws and regulations or corruption of the company or its employees.

We operate the FMS in order to identify the status of implementation of improvement tasks and check the adequacy of each affiliate's inspection results.

We are taking measures to prevent recurrence by analyzing the results of reports and inspections related to internal control and improving the relevant processes.

We operate an incentive system such as commendations and rewards for ethics and legal compliance reports that are recognized for their effectiveness in preventing damage to the company, and take disciplinary measures against offenders who violate internal control standards in accordance with internal standards.

We report to the Board of Directors at least once a year on the performance of our compliance work.

We report the results of our compliance work to the Audit Committee, an internal committee of the Board of Directors, at least once a quarter, and report the annual compliance work plan at least once a year.

We operate the 'Internal Control Committee', a consultative body related to the operation of the internal control system, once a semi-annual basis, and discuss the following matters.

• Improvement measures such as sharing internal control inspection results and reflecting employee evaluations
• Reviewing and responding to internal control weaknesses such as financial accidents, etc.
• Measures to raise employee ethics and compliance
• Major issues related to internal control, etc.