The Defendants are not guilty. The Defendants are not guilty, and the summary of each verdict of innocence is publicly announced.

Ⅰ Summary of the facts charged

1. Defendant A, while serving as the Director of the Enterprise Business Headquarters of N Co., Ltd. (hereinafter “N”), was in general in charge of corporate credit-related affairs. Defendant B, while serving as the Director of the Enterprise Marketing Division, took charge of corporate credit-related affairs by assisting the Director of the Enterprise Headquarters, and Defendant C, D, E, F, and G were in office as the Director of the N branch.

2. Instructions of the head office;

A. On January 25, 2005, the president of P, who was the president of P, who was appointed on January 25, 2005, was in mind to raise the BISD ratio by managing N mainly on profitability in order to promote the re-sale of N and the distribution of dividends to shareholders.

In addition, after September 2008, the Bank of Korea reduced the standard interest rate on several occasions until June 2009 in order to alleviate the financial market instability and prevent the economy from with excessive decline due to the global financial crisis, and raised the total interest rate by raising the interest rate on the land, thereby raising a certain level of net interest and the margin in order to ensure that the Bank of Korea continues to secure a certain level of net interest and the margin.

B. The content 1 of interest rate discount instruction) Accordingly, P issued guidelines at least once a year, which is a guideline for the dust rate of loans that the branch should comply with when dealing with the loans from the first half of 2007, at least once a year. Accordingly, P instructed the increase of interest rate in accordance with the guidelines as well as the new loans already dealt with through the follow-up public notice after the enforcement of the guidelines.

In addition, in order to secure its implementation, Defendant A ordered follow-up measures for each business headquarters, and Defendant A decided to promote “the interest rate per month or less” for a loan to be treated at a reasonable monthly end in accordance with this direction by establishing a “Countermeasures for Promotion of Credit Profit Improvement” (hereinafter “Countermeasures”).