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The Credit Rating System is the assessment of the Company's capacity to pay the principal and interest of securities such as CP and bonds. The Credit Rating Agency, with expertise on objective credit assessment, analyzes and evaluates all factors related to the debt payment capacity of the Company and marks it with a certain symbol (i.e. credit rating grade). The Credit Rating Agency discloses the credit rating assessment to the interested parties such as investors or financial institutions.
The credit rating assessment provides the issuer's credit information to investors, through which protecting them from possible losses due to want of credit information or information analysis capability. As for companies, credit ratings expand the opportunity for funding at lower cost without collateral.

We have been strengthening our leadership position in the corporate bond and ABS evaluation area based on our extensive rating experience and knowledge. Now our credit rating business is ready to spring forward into the 2nd stage of growth by enhancing our complementary alliance with Fitch Ratings, the world's major credit rating agency. We have reinforced our competitive-edge in the Korean rating market with a new advanced analysis technique that yields rich rating experience and in-depth knowledge. This has been the prime mover behind our recent successes. Through capital participation and business alliance with Fitch Ratings, Korea Ratings is proud to present sophisticated rating methodologies in conjunction with rating assessment. We aim to maintain our position as a leading credit rating institution by fully leveraging our core strengths in global standard rating system, professional consulting capabilities, and complementary strategic alliances.

1. Objective and Fair Credit Rating
Our credit ratings are carried out fairly, and in accordance with strict criteria and transparent and objective procedures. Korea Ratings' financial structure is sound and stable, and its ownership and organizational structure are kept separated from business-concerned parties. In this way, we maintain thorough neutrality by not being biased in favor of either issuers or investors.

2. Rational and Reliable Credit Rating
Korea Ratings boasts the best credibility in the credit rating market. We are also gaining an absolute trust from the capital market as we offer optimal rating information, based on rational assessments.

3. Systematic and Professional Credit Rating
The accurate analysis and evaluation done by Korea Ratings' professional analysts, ensure that our clients receive the best-in-quality of services. In addition, we provide clients with high grade systematic and professional rating services through our advanced assessment system, abundant information infrastructure, and rich experience and know-how.