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1
2
3 _Contents
4 DGB Financial Group Report
5 2016 DGB Financial Group Report 3
6
7 2016 DGB Financial Group Report 5
8 DGB Financial Group Report
9 DGB Financial Group Report 7
10 DGB Financial Group Report
11 DGB Financial Group Report 9
12 DGB Financial Group Report
13 DGB Financial Group Report 11
14 DGB Financial Group Report
15 DGB Financial Group Report 13
16 DGB Financial Group Report
17 DGB Financial Group Report 15
18 DGB Financial Group Report
19 2016 DGB Financial Group Report 17
20 (100%) (99.52%) (100%) (100%) (100%) (100%) (100%) DGB Lao Leasing (90%) DGB Financial Group Report
21 ( ) DGB Financial Group Report 19
22 ( ) ,104 3, ,786 3,858 ( ) DGB Financial Group Report
23 ( ) ( ) 6, ,125, % ( ) 1,737 34,573, % ( ) ( ) ( ) 1, ,200,000 2,000,000 2,511, % 100% 100% ( ) 60 1,200, % ( ) , % ( ) USD 10,000 1,800,000 90% 2016 DGB Financial Group Report 21
24 ,053,154 6, ,000,000 1,750 8, ,420,000 5,021 5, ,000,000 1,000 6, ~ ,705, , ,000, , ,000, ,737, ,002, , ,001, , ,200, ,000, , ,000, , ,000, DGB Financial Group Report
25 ,511, ,200, , , DGB Financial Group Report 23
26 ( ) 1 14,986, ,755, THE OAKMARK INTERNATIONAL SMALL CAP FUND 7,636, ,488, NORGES BANK 2,552, PEOPLES BANK OF CHINA 2,407, THE HIGHCLERE INTERNATIONAL INVESTORS SM 1,870, VANGUARD TOTAL INTERNATIONAL STOCK INDEX 1,799, ,555, DGB Financial Group Report
27 ( ) , , ,833, ,879, ,198, ,158, , ,947, , ,600, , ,053, ,200, ( ) ,041, ,388, , ,605, , ,329, , ,686, , ,053, DGB Financial Group Report 25
28 , , ,055 (362) (962) (93) (15) DGB Financial Group Report
29
30 ) 5,836 5, ,005 2,284 (279) 1,978 2,232 (254) (1) (32) (6) 12 (12) ,019 3,083 (64) ,877 2,941 (64) ) (3) (3) 1 (4) DGB Financial Group Report
31 ) 5,169 4, ,810 2,001 (191) 1,784 1,969 (185) (1) (14) (26) 12 (12) (18) ,650 2, ,650 2, ) (53) (53) 20 (20) 20 (20) (5) (88) (41) 2016 DGB Financial Group Report 29
32 ) (13) (13) DGB Financial Group Report
33 ) ) 10, , (89) 0.74 (220) , (7) (40) (7,482) (1,532) (349) (231) 2.62 (8,848) , (492) , , (719) , ) 9, , (71) 0.61 (251) , (2) 0.26 (1) 0.13 (19) (7,671) (1,654) (341) (8,956) , (222) , , (483) , DGB Financial Group Report 31
34 17, ,981 14, ,369 3, , ,021 1,377 1, ,946 9,495 (549) 8, , , , , ,008 2,024 1,322 (1,909) 10,259 6,390 3, , ,019 2, , ,339 14, ,162 4, ,605 1,411 1, ,603 9,882 (279) 6, , , , , ,230 2,287 1,359 (2,405) 9,702 6,272 3, , ,083 2, (377) (12) (358) (36) 29 (793) (864) (32) (34) (53) (85) (657) (387) (270) 2,541 (83) 1, (68) (16) ,045 (26) 1, (59) (263) (37) (64) (64) DGB Financial Group Report
35 2016 DGB Financial Group Report (92) (21) (2) (2) 648 (3) (74) (10) (3) (3) (17) 2 (18) (1) 1 1 (18) (11) (11) (4) 72 72
36 2016 DGB Financial Group Report 34 15, ,843 13, ,877 3, ,155 1,339 1, , , , , , ,008 1,830 1,148 (1,974) 8,907 5,510 3,397 (12) (12) 3, ,650 2,650 15, ,228 13, ,779 4, ,839 1,331 1, , , , , , ,230 2,025 1,171 (2,219) 8,379 5,451 2,928 (35) (35) 2, ,618 2,618 (586) 14 (385) (205) (10) (902) (864) (52) 15 (1) (12) (33) 2,264 (86) 1, (189) (16) ,019 (26) 1, (51) (22) 778 (195) (23)
37 1, , , ,946 10,104 (1,158) (5) , , , ,606 10,784 (1,178) (88) (34) (21) (4) 3 (12) 2 2 (36) (39) (39) (4) (4) (35) (660) (680) (4) (8) 95 (56) (5) 52 (10) (10) (41) (41) 2016 DGB Financial Group Report 35
38 2016 DGB Financial Group Report (7) (176) (2) (218) (4) (3) (3) 2 (6) 8 (5) (19) (1) (2) 9 (13) (12)
39
40 25,473 4, ,997 78, , ,290 4, , ,855 72,823 51,212 17, ,901 39, , ,925 2,941 2,589 40,655 76, ,526 3,767 3, , ,934 64,754 49,405 24, ,673 37, , , ,726 55,751 18, , ,617 52,985 16, ,081 36,109 2,766 2, , ,724 53,347 12, , ,058 50,491 10, ,907 34,666 2,856 2, DGB Financial Group Report
41 2016 DGB Financial Group Report ,637 4,315 17, ,482 76, ,340 5,306 5, , , ,139 39, ,385 41, ,624 18,287 81, ,564 3,986 50, ,454 2,856 3,522 5, ,343 3,724 17, ,289 4,330 4,290 16,715 25, , ,558 7,562 18,781 1,000 27,990 83, ,598 3,263 5, , , ,757 37, , ,444 13,865 81, ,757 1,500 3,773 48, ,519 2,858 1,439 5,414 2, ,370 14, ,890 4,202 3,767 21,585 29, ,
42 2016 DGB Financial Group Report 40 5,592 5,592 5,592 25, ,443 31,035 2,344 27, ,817 29, ,216 1,218 31, ,191 5,191 5,191 24, ,179 30,370 2,344 26, ,347 29,347 1,023 1,023 30,
43 2016 DGB Financial Group Report ,328 6,194 16,024 2,050 17,417 23, ,461 4,765 4, , , ,089 36, ,694 57, ,494 2,984 71, ,471 86, , ,083 1,093 3,981 6,962 2, ,616 1,933 1,620 6,305 2,057 1, , ,603 3,233 3,801 32,857 39, , ,800 7,028 16,219 1,892 17,417 19, ,569 3,485 4, , , ,508 34, ,243 55, ,729 1,850 73, ,063 79, , ,306 1,131 3,972 5,396 2, ,608 1,397 1,436 5,864 1,556 1, , ,825 2,846 3,399 31,659 37, ,
44 2016 DGB Financial Group Report 42 11,388 2,362 1,859 15, , , ,867 2,192 1,620 10, , , ,875 2, ,349 54,833 2,917 3,576 43,088 1, ,158 54, ,603 2, ,270 51,617 2,984 3,555 41, ,326 51,
45 2,813 2,797 (16) ,986 41, ,984 79, ,279 27, ,219 46, ,467 46, DGB Financial Group Report 43
46 (3) 13,222 13,199 (23) 33,554 33, DGB Financial Group Report
47 ,856 2,858 (2) 4,126 10,162 1,439 9,389 2, ,836 14,371 3,465 5,306 3,263 2,043 5,709 5, ,593 3, ,799 12,157 2, ,749 2,858 (109) 2,332 9,903 1,439 9, ,676 14,371 1,305 5,306 3,263 2,043 5,709 5, ,593 3, ,790 12,157 2, DGB Financial Group Report 45
48 1,794 1, DGB Financial Group Report
49 2, ,107 3, , ,760 2, ,666 1, ,600 1, ,043 2, DGB Financial Group Report 47
50 DGB Financial Group Report
51 2, ,745 3, , ,623 1, ,576 1, ,400 1, ,043 2, DGB Financial Group Report 49
52 DGB Financial Group Report
53 DGB Financial Group Report 51
54 362,093 3,082 4, ,362 3,483 4,385 2,350 2, ,649 2,766 4, ,190 3,082 3,999 3, , DGB Financial Group Report
55 17, , DGB Financial Group Report 53
56 51,912,615 49,953,585 3,043,985 3,266,432 4,748,992 4,333,652 4,862,993 4,892, ,417, ,262,058 47,468,114 42,057,882 7,287,355 1,096,455 6,472,001 1,283, ,891 9,134, ,287 8,716, DGB Financial Group Report
57
58 332,734 43,023 36,396 33, ,875 40,989 32,452 29, ,146 1, ,296 1, ,484 18, ,343 12, DGB Financial Group Report
59 2016 DGB Financial Group Report 57
60 1 24,052 (A+B+E) 24, ,981 (CD) 7,146 3 (257) (M) ,776 31, (F) ,067 (GF) a 26b 26c 26d DGB Financial Group Report
61 26e 26f 26g 507 (H) ,852 1, ,924 29, ,472 (282) (I) 2, ,472 (I) 2, ,472 (I) 2, ,472 (I) 2, ,396 32, ,898 (J) 4, ,356 3, ,729 (D),(K),(L) 3, ,627 8, DGB Financial Group Report 59
62 ,627 8, ,023 40, , , ,700 1, (N) ,729 4, ,729 3, DGB Financial Group Report
63 25,473 22,688 4,025 4, ,997 28,798 78,905 48, , ,858 (2,818) (2,724) (K) ,704 4,290 4, ,564 1,834 1,331 1,284 (G) (F) 1,114 1, (N) 534, , , ,859 1,260 1, ,748 31,748 41,075 40,367 10,500 9,800 4,898 (J) ,575 30,567 2,043 1, (L) 64,506 11, DGB Financial Group Report 61
64 494,901 8,453 15,605 13,034 2, (10) (275) 2,916 8,453 15,610 11, (10) (257) 2,907 2, , , ,468 38, ,152 (A) (B) (C) (D) (H) (E) (M) (I) DGB Financial Group Report
65 DGB Financial Group Report 63
66 DGB Financial Group Report
67 2016 DGB Financial Group Report 65
68 514, ,772 25, , ,829 23,826 82,067 1, ,717 1, ,722 2, ,921 2, , ,498 9, , ,389 8,671 32,165 27,337 2,187 49,573 42,199 3,376 99,341 85,161 6,813 77,610 66,190 5,295 45,714 19,846 1,588 44,111 19,153 1, ,948 63,579 5, ,463 60,162 4,813 10,705 8, ,758 8, ,242 55,408 4,433 94,704 51,953 4,156 4,779 8, ,917 4, ,448 3, ,751 2, ,963 1, , ,887 98,466 7, ,163 98,263 7,861 1, , ,790 1,503 18,365 1, , ,934 26, , ,875 25, , ,396 19,756 5,472 3,858 1, DGB Financial Group Report
69 479, , , ,626 1,853 1,172 1,236 1, , , , ,455 1,205 1, , ,975 2,062 1,396 1,969 3,123 3,694 11,292 6, ,123 3,694 11,292 6,624 77,410 75,230 75,659 76,224 (41,108) (40,896) (41,031) (40,968) 36,302 34,333 34,627 35,256 36,969 34,029 33,475 32, , , , , DGB Financial Group Report 67
70 480,152 1, ,681 2, , , % 1, % 0.00% % % % 287, % DGB Financial Group Report
71 1,043 1, , ,252 3,543 1,714 2, ,026 2,833 1, ,408 41, , ,291 30, ,530 30, DGB Financial Group Report 69
72 2, , , , , , (2.40) (7.50) (6.21) (17.53) 9.73 (7.97) (1.18) (1.25) (0.19) (0.20) DGB Financial Group Report
73 362,093 4, , ,729 4, ,362 4, , ,535 4, , DGB Financial Group Report 71
74 2014 A2 P A2 P1 BBB+ A A2 P1 A A DGB Financial Group Report
75
76 DGB Financial Group Report
77 2016 DGB Financial Group Report 75
78 DGB Financial Group Report
79 2016 DGB Financial Group Report 77
80 DGB Financial Group Report
81 25,473 22,688 22,688 4,025 4, ,962 2, ,997 28,798 28,889 78,905 45,859 47, , , ,251 3, ,704 1, ,850 6,742 4, , , ,098 5, ,797 1,260 1, , , ,653 1, , , , ,098 5, , , , ,831 4, ,797 22,267 22, , ,098 5, , DGB Financial Group Report 79
82 DGB Financial Group Report
83 2016 DGB Financial Group Report 81
84 DGB Financial Group Report
85 2016 DGB Financial Group Report 83
86 DGB Financial Group Report
87 369,113 5,413 78,840 1,963 55, ,977 2, , ,779 5,488 78,840 1,963 56, , ,712 1,033 2, , , ,702 3,012 29,294 1,899 12, ,151 16,856 1,443 47, , , ,509 3, , ,779 5,488 78,840 1,963 56, , ,005 4,991 13,573 1,936 7, ,076 95, , , ,939 21, , ,507 54,310 52, ,236 2,762 64,745 19, ,328 34,325 59, ,779 5,488 78,840 1,963 56, , DGB Financial Group Report 85
88 176,493 6,555 32,805 23, , ,502 7,090 9,951 2,775 8, , , ,540 6, ,222 8,041 1, ,373 4,742 3, ,217 10,787 4, ,829 3, ,863 2, ,507 69,053 69, , ,248 3,18 497,244 2, ,808 3,465 1, ,862 (453) 3, ,649 3, , DGB Financial Group Report
89 108,659 2, , , , , ,140 1, ,649 4, , ,138 4, ,814 1, ,649 4, , ,069 1,614 4,054 1, ,406 2, DGB Financial Group Report 87
90 2,288 2, ,224 2,561 1,784 (1,867) 441 (278) (1,704) (2) (167) (89) 2, DGB Financial Group Report
91 106,136 5,040 33,029 3, ,584 1, , , ,414 1, , , ,799 4,858 23,736 2, , DGB Financial Group Report 89
92 80,732 11, ,703 30,804 97,899 99,851 7,621 2,887 89,343 45, ,783 10,705 44,068 56,010 4,781 2, ,123 15,157 3, ,734 1, ,803 1,361 1, , ,451 80,732 11, ,996 30,174 96,822 99,851 7,621 2,887 89,343 45, ,105 10,705 42,425 54,975 4,781 2, ,123 18,345 3, , ,599 1,293 1, , ,898 1,445 2, ,156 26,925 83,231 89,457 2,921 3,737 82,799 19,846 63,578 8,171 22,678 32,729 8,595 3, ,352 8,528 2, , DGB Financial Group Report
93 73, ,123 8, ,315 7,221 10, ,083 2, ,528 24,803 24, ,245 4,290 3, , ,003 3,410 3,410 28,043 28, ,343 10,137 42,312 53, , ,768 26,681 97,087 69,446 7,675 61, , ,000 2, , , , ,561 1,182 8,355 1, ,975 80,747 11, ,595 31,467 98, ,397 7,696 2,887 89,814 45, ,241 10,705 42,425 55,111 4,781 3, ,963 3,123 18,345 3, , DGB Financial Group Report 91
94 0% 0% 0% 0% 20% 20% 109, , ,526 53,609 48,372 68, , , ,526 53,875 48,638 2, DGB Financial Group Report
95 1, , , DGB Financial Group Report 93
96 , , DGB Financial Group Report
97 2016 DGB Financial Group Report 95
98 DGB Financial Group Report
99 2,425 2,425 2,365 2, ,425 2, ,365 3, DGB Financial Group Report 97
100 , DGB Financial Group Report
101 DGB Financial Group Report 99
102 DGB Financial Group Report
103 DGB Financial Group Report 101
104 DGB Financial Group Report
105 DGB Financial Group Report 103
106 DGB Financial Group Report
107 170,128 8,534 2, , ,705 61,954 44,570 68, ,564 3,281 2,352 2,218 30,028 37,879 2,086 2,802 2,716 6,996 14,600 5,607 2,383 5,869 19,753 33,612 6,587 4,508 2,830 11,425 25, ,551 2,825 18,534 12,347 13,633 69, , DGB Financial Group Report 105
108 , , DGB Financial Group Report
109 2016 DGB Financial Group Report 107
110 2,624 2, ,597 2, ,628 2, ,624 2, ,032 1, ,628 2, DGB Financial Group Report
111 2016 DGB Financial Group Report 109
112 DGB Financial Group Report
113
114 2,350 2, , , DGB Financial Group Report
115 DGB Financial Group Report 113
116 DGB Financial Group Report
117 DGB Financial Group Report 115
118 , DGB Financial Group Report
119 , DGB Financial Group Report 117
120 DGB Financial Group Report
121 2016 DGB Financial Group Report 119
122
123 2016 DGB Financial Group Report 121
124 (Description) ( : ) (Assets) (Cash and Due from Banks) 19,447,134,517 9,392,760,399 (Loans and Receivables) 353,818,768, ,199,976,708 (Investments in Associates) 2,727,872,878,712 2,690,886,238,590 (Tangible Assets) 223,203,452 67,021,243 (Intangible Assets) 1,307,288, ,082,749 (Deferred Income Tax Assets) 826,934, ,181,396 (Other Assets) 13,626, ,810,836 (Total Assets) 3,103,509,834,298 3,036,968,071,921 (Liabilities) (Borrowings and Bonds Payable) 559,255,297, ,130,206,542 (Retirement Payment Liabilities) 180,822,393 9,168,515 (Other Liabilities) 36,004,538,028 27,127,596,293 (Total Liabilities) 595,440,657, ,266,971,350 (Stockholders Equity) (Capital Stock) 845,265,770, ,265,770,000 (Capital surplus) 1,560,191,413,160 1,560,191,413,160 (Retained Earnings) 103,499,687,992 85,722,390,917 (Accumulated Other Comprehensive Income,Net of Taxes) (887,694,753) (478,473,506) (Total Stockholders Equity) 2,508,069,176,399 2,490,701,100,571 (Total Liabilities and Stockholders Equity) 3,103,509,834,298 3,036,968,071, DGB Financial Group Report
125 ( : ) (Description) (Net Interest Income(Loss)) (9,198,416,393) (7,368,710,417) (Interest Income) 8,171,352,188 9,894,172,905 (Interest Expense) 17,369,768,581 17,262,883,322 (Net Fee and Commission Income(Loss)) (2,080,946,912) (1,014,384,985) (Fee and Commission Income) 22,000,000 22,000,000 (Commission Expense) 2,102,946,912 1,036,384,985 (Receipt of Dividends) 84,881,500,000 78,045,000,000 (Impairment Loss on Financial Assets) (44,501,559) (311,534,836) (General and Administrative Expenses) 10,582,506,369 11,654,586,320 (Net Other Operating Income(Loss)) 2,000,000,000 (Operating Income) 65,064,131,885 58,318,853,114 (NonOperating Income(loss)) (204,055,899) (299,132,335) (Income Before Income Tax Expense) 64,860,075,986 58,019,720,779 (Income Tax Expense(Income)) (252,104,209) 75,861,140 (Net Income) 65,112,180,195 57,943,859,639 (Other Comprehensive Income(loss)) (409,221,247) (96,549,766) (Total Comprehensive Income) 64,702,958,948 57,847,309,873 (Earnings per Share) DGB Financial Group Report 123
126 ( : ) (Description) (Retained Earning Before Appropriations) 74,721,687,992 64,627,390,917 (Unappropriated Retained Earnings from Beginning Year) 9,609,507,797 6,683,531,278 (Increase through changes in accounting policies) (Net Income) 65,112,180,195 57,943,859,639 (Transfer from voluntary Reserves) 112,000,000 (Regulatory Reserves for Credit Loss) 112,000,000 (Appropriations of Retained Reserves) 57,365,946,200 55,129,883,120 (Legal Reserve) 6,512,000,000 5,795,000,000 (Regulatory Reserves for Credit Loss) 138,000,000 (Dividends) 50,715,946,200 47,334,883,120 (Indemnity Reserve) 2,000,000,000 (Unappropriated Retained Earnings to Subsequent Year) 17,355,741,792 9,609,507, DGB Financial Group Report
127 ( : ) (Description) (Capital Stock) (Capital Surplus) (Accumulated Other Comprehensive Income,Net of Taxes) (Retained Earnings) (Total) (Balance at the Beginning of FY2015) 670,265,770,000 1,421,835,315,080 (381,923,740) 70,675,540,558 2,162,394,701,898 (Increase paid in capital and capital surplus) 175,000,000, ,356,098, ,356,098,080 (Dividends) (42,897,009,280) (42,897,009,280) (Net Income) 57,943,859,639 57,943,859,639 (Remeasurement of defined benefit plan) (96,549,766) (96,549,766) (Balance at the End of FY2015) 845,265,770,000 1,560,191,413,160 (478,473,506) 85,722,390,917 2,490,701,100,571 (Balance at the Beginning of FY2016) 845,265,770,000 1,560,191,413,160 (478,473,506) 85,722,390,917 2,490,701,100,571 (Dividends) (47,334,883,120) (47,334,883,120) (Net Income) 65,112,180,195 65,112,180,195 (Remeasurement of defined benefit plan) (409,221,247) (409,221,247) (Balance at the End of FY2016) 845,265,770,000 1,560,191,413,160 (887,694,753) 103,499,687,992 2,508,069,176, DGB Financial Group Report 125
128 ( : ) (Description) (Cash Flows from Operating Activities) 50,263,304, ,470,708,566 (Net Income) 65,112,180,195 57,943,859,639 (Adjustment of Revenues & Expenses not Involving Cash Flows) (77,046,394,194) (68,259,436,450) (Income Tax Expense) (252,104,209) 75,861,140 (Interest Expense) 17,369,768,581 17,262,883,322 (Retirement Benefit) 570,248, ,955,840 (Depreciation) 44,708,417 85,717,121 (Loss on disposal of Property & Equipment) 3,657,174 (Amortization) 314,681, ,853,868 (Provisions for Others) (2,000,000,000) 2,000,000,000 (Provision for loan losses) (44,501,559) (311,534,836) (Interest income) (8,171,352,188) (9,894,172,905) (Dividend income) (84,881,500,000) (78,045,000,000) (Change in Assets and Liabilities) (6,219,365,354) 99,973,777,498 (Decrease(Increase) in Cash and Deposits) (5,000,000,000) (Decrease(Increase) in Loans & Receivables) 100,000,000,000 (Decrease in Receivables) 329,461,537 (Increase in Prepaid Expenses) (142,538) (7,331,247) (Decrease (Increase) in Advance Payments) 5,299,000 (5,245,000) (Decrease in Other Payables) (285,703,936) (56,843,989) (Increase(Decrease) in Accrued Expenses) (181,083,750) 311,377,514 (Increase in Longterm Accrued Expenses) 133,139, ,210,066 (Increase(Decrease) in Withholding Taxes) 29,443,440 (23,547,890) (Increase (Increase) in Value Added Tax Withheld) (7,249,998) 7,449,998 (Increase in Withholdings) 9,034,570 2,496,310 (Payment for Retirement and Severance Benefit) (274,734,782) (487,143,426) (Increase in plan assets) (663,729,075) (276,000,000) (Increase (Increase) in other liabilities) 16,362, ,625 (Cash Outflows from Interest) (17,818,183,200) (16,848,000,000) (Interest income) 8,190,066,713 10,679,757,879 (Cash Inflows from Dividends) 78,045,000,000 63,980,750, DGB Financial Group Report
129 ( : ) (Description) (Cash Flows from Investing Activities) (34,886,280,152) (63,518,926,200) (Purchase of Property & Equipment) (204,547,800) (19,498,700) (Purchase of Intangible Assets) (662,859,000) (604,427,500) (Increase(Decrease) in Deposits Provided) (20,000,000) 105,000,000 (Purchase of associates investments) (33,998,873,352) (63,000,000,000) (Cash Flows from Financing Activities) (10,322,649,890) (79,792,213,000) (Issuance of Debentures) 110,000,000, ,605,300,000 (Repayments of Bonds) (70,000,000,000) (100,000,000,000) (Increase paid in capital and capital surplus) 313,499,496,280 (Additional acquisition of investments in subsidiaries) (2,987,766,770) (400,000,000,000) (Dividends paid) (47,334,883,120) (42,897,009,280) (Increase(Decrease) in Cash and Cash Equivalents) 5,054,374,118 4,159,569,366 (Cash and Cash Equivalents at Beginning of Period) 9,392,760,399 5,233,191,033 (Cash and Cash Equivalents at End of Period) 14,447,134,517 9,392,760, DGB Financial Group Report 127
130 ,447 5,000 3,393 6,000 19,447 9, ,000 1, , (585) 235,000 1,380 98, (629) 353, , (44) (312) DGB Financial Group Report
131 100 2,281, , , , , , ,000 2,727, ,281, , , , , ,000 2,690,886 45,945,171 42,325,062 2,473,209 2,473,209 5,575,058 5,298,421 1,106,600 1,106,600 1,851,068 1,613,309 97,042 97,042 18,467 1,229 2,681 2,681 35,230 24,329 13,683 13,683 4, ,528 1,528 9,601 1,030 8,612 8,612 53,439,339 49,263,644 3,703,355 3,703,355 44,522,990 5,334,713 1,258,282 36,812 4,691 8,332 51,165,820 41,047,432 5,049,145 1,030,491 25, ,152,922 2,304,135 1,165,197 73,898 13,347 1,775 5,657 3,564, ,841 18,959 5,379 (2,417) (9) , DGB Financial Group Report 129
132 500,000, ,053,154 5, ,265,770,000 1,560,191,413,160 95,120 8, , ,000 30,056 17,370 2,103 10,583 65,064 88,273 9, , ,954 17,263 1,036 11,655 58,319 65,112,180, ,053, ,943,859, ,231, DGB Financial Group Report
133 , , , , , , , , , , DGB Financial Group Report 131
134 19,447 1, , , ,000 7, , , ,393 1,380 94, , ,000 4, , , ,953 79, ,692 5, ,833 93, ,052 74, ,516 3, ,653 88, DGB Financial Group Report
135 200, , , , , , DGB Financial Group Report 133
136 DGB Financial Group Report
137 ( : ) (Description) (Assets) (Cash and Due from Banks) (Financial Assets Held for Trading) (Financial Assets Designated at Fair Value Through Profit and Loss) (AvailableforSale Financial Assets) (HeldtoMaturity Financial Assets) (Loans and Receivables) (Derivative AssetsHedge Accounting) (Investments in Associates) (Tangible Assets) (Investments Property) (Intangible Assets) (Deferred Income Tax Assets) (Other Assets) (Total Assets) (Liabilities) (Depository Liabilities) (Financial Liabilities Held for Trading) (Financial LiabilitiesHedge Accounting) (Borrowings) (Bonds Payable) (Retirement Payment Liabilities) (Liability Reserve) (Deferred Income Tax Liabilities) (Insurance contract liability) (Other Liabilities) (Total Liabilities) (Stockholders Equity) (Capital Stock) (Capital Surplus) (Retained Earnings) (Capital Adjustment) (Accumulated Other Comprehensive Income, Net of Taxes) (NonControlling Interest) (Total Stockholders Equity) (Total Liabilities and Stockholders Equity) 2,547,299,459, ,481,702,682 82,254,804,250 4,199,693,774,903 7,890,514,734,882 37,454,618,596,565 95,042, ,850, ,986,982,703 99,615,294, ,096,931,144 25,990,970, ,349,386,861 53,462,400,532,585 35,385,468,928, ,974,538,697 12,518,165,684 3,174,782,213,857 4,107,517,392,210 8,773,132,020 28,860,991,737 5,121,199,877,843 1,524,972,407,846 49,490,067,648, ,265,770,000 1,560,454,863,590 1,303,373,955,359 (996,675,400) (27,384,630,155) 291,619,600,962 3,972,332,884,356 53,462,400,532,585 2,092,476,885, ,159,288, ,860,595,850 4,065,488,994,752 7,618,459,361,224 36,052,597,094,055 50,004, ,786, ,671,513, ,634,921, ,221,332,855 19,520,292, ,852,455,330 51,144,445,526,564 33,493,377,279,077 33,519,884,416 3,148,566,060 3,329,393,491,396 3,145,916,976,851 18,075,426,913 36,764,708,103 4,940,470,355,639 2,366,627,476,510 47,367,294,164, ,265,770,000 1,560,454,863,590 1,063,045,551,487 17,869,360, ,515,816,009 3,777,151,361,599 51,144,445,526, DGB Financial Group Report 135
138 ( : ) (Description) (Net Interest Income) 1,202,085,916,318 1,160,490,484,559 (Interest Income) 1,738,969,328,500 1,776,731,367,578 (Interest Expense) 536,883,412, ,240,883,019 (Net Fee and Commission Income) 69,647,259,187 78,071,285,111 (Fee and Commission Income) 137,750,927, ,086,254,859 (Commission Expense) 68,103,668,782 63,014,969,748 (Net insuarance loss ) (54,914,506,552) (27,929,553,297) (Insuarance income) 894,557,593, ,315,401,459 (Insuarance expense) 949,472,100, ,244,954,756 (Net Income on Financial Assets Held for Trading) 13,168,011,883 5,954,054,123 (Net Income on Financial Assets Designated at Fair Value Through Profit or Loss) 1,552,088,470 3,351,617,780 (Net Income on AvailableforSale Financial Assets) 74,691,256,405 75,600,327,339 (Net Income on Derivative AssetsHedge Accounting) (9,239,587,530) 650,468,187 (Impairment Loss on Financial Assets) 202,442,865, ,742,088,191 (Net Income(Loss) on Foreign Exchange) 4,173,799,127 (361,863,746) (General and Administrative Expenses) 638,998,477, ,204,701,844 (Net Other Operating Income(Loss)) (72,793,934,658) (96,901,824,658) (Operating Income) 386,928,959, ,978,205,363 (NonOperating Income(loss)) 854,950, ,367,221 (Income Before Income Tax Expense) 387,783,910, ,410,572,584 (Income Tax Expense) 85,929,223,686 35,092,085,410 (Net Income) 301,854,686, ,318,487,174 (Net Income in Controlling Interest) 287,676,590, ,097,767,140 (Net Income in NonControlling Interest) 14,178,095,814 14,220,720,034 (Comprehensive Income(Loss)) (45,367,116,033) 837,690,118 (Gain(Loss) on Valuation of Availableforsale Financial Assets) (35,180,503,877) 7,090,928,310 (Gain(Loss) on Translating Foreign Operations) 1,161,973,441 1,653,504,828 (Actuarial Gains (Losses)) (11,348,585,597) (7,906,743,020) (Total Comprehensive Income) 256,487,570, ,156,177,292 (Total Comprehensive Income in Controlling Interest) 242,361,120, ,856,568,068 (Total Comprehensive Income in NonControlling Interest) 14,126,450,227 14,299,609,224 (Earnings per Share) 1,702 1, DGB Financial Group Report
139 (Description) (Balance at the Beginning of FY2015) (Hybrid Bonds Dividends) (Net Income for the year) (Increase paid in capital and capital surplus) (Dividends) (Gain on Valuation of Availableforsale Financial Assets) (Gain(Loss) on Translating Foreign Operations) (Remeasurement of defined benefit plan) (Change due to business combinations) (Others) (Balance at the End of FY2015) (Balance at the Beginning of FY2016) (Hybrid Bonds Dividends) (Net Income for the year) (Dividends) (Loss on Valuation of Availableforsale Financial Assets) (Gain(Loss) on Translating Foreign Operations) (Remeasurement of defined benefit plan) (Change due to business combinations) (Others) (Balance at the End of FY2016) (Capital Stock) 670,265,770, ,000,000, ,265,770, ,265,770, ,265,770,000 (Capital surplus) 1,423,484,159, ,356,098,080 (1,385,393,597) 1,560,454,863,590 1,560,454,863,590 1,560,454,863,590 (Capital Adjustment) (720,209,000) 720,209,000 (996,675,400) (996,675,400) (Accumulated Other Comprehensive Income, Net of Taxes) 17,110,559,585 7,012,389,803 1,653,504,828 (7,907,093,703) 17,869,360,513 17,869,360,513 (35,066,444,686) 1,161,973,441 (11,349,519,423) (27,384,630,155) (Retained Earnings) 811,844,793, ,097,767,140 (42,897,009,280) 1,063,045,551,487 1,063,045,551, ,676,590,811 (47,334,883,120) (13,303,819) 1,303,373,955,359 (NonControlling Interest) 289,564,700,000 (14,060,800,000) 14,220,720,034 ( : ) 78,538, , ,575,118 (93,268,333) 290,515,816, ,515,816,009 (14,060,800,000) 14,178,095,814 (114,059,191) 61,479, ,826 1,889,103,593 (850,968,867) 291,619,600,962 (Total) 3,211,549,773,319 (14,060,800,000) 308,318,487, ,356,098,080 (42,897,009,280) 7,090,928,310 1,653,504,828 (7,906,743,020) 805,575,118 (758,452,930) 3,777,151,361,599 3,777,151,361,599 (14,060,800,000) 301,854,686,625 (47,334,883,120) (35,180,503,877) 1,223,453,219 (11,348,585,597) 1,889,103,593 (1,860,948,086) 3,972,332,884, DGB Financial Group Report 137
140 ( : ) (Description) (Cash Flows from Operating Activities) (Net Income for the year) (Adjustment of Revenues & Expenses not Involving Cash Flows) (Income Tax Expense) (Interest Expense) (Loss on Valuation of Financial Assets Held for Trading) (Loss on Valuation of Trading Derivative Instruments) (Reserve for Credit RiskAdjusted of Trading Derivative Instruments) (Loss on Valuation of Financial Assets Designated at Fair Value through profit or loss) (Loss on Sale of Availableforsale Financial Assets) (Impairment Loss on Availableforsale Financial Assets) (Loss on valuation of Hedged Assets) (Loss on Valuation of Hedging Derivative Instruments) (Loss on transaction of Hedging Derivative Instruments) (Reserve for credit risk adjustment of hedging derivative instruments) (Loss from equity method investment securities) (Provision for loan losses) (Provision for others) (Depreciation & Amortization) (Loss on disposal of Property & Equipment) (Loss on disposal of intangible assets) (Expense on stock options) (Retirement Benefit) (Loss on Foreign Exchange) (Loss on valuation of debentures) (Other Operating Expense) (Amotization of Deferred Acquisition expense) (Transfer to insurance reserve) (Interest Income) (Dividend income) (Gain on valuation of financial assets held for trading) (Gain on Valuation of Trading Derivative Instruments) (Reversal of reserve for credit risk adjustment of trading derivative instruments) (Gain on Valuation of Financial Assets Designated at Fair Value Through profit or loss) 32,634,253, ,854,686,625 (691,798,995,225) 85,929,223, ,883,412,182 2,176,034, ,067,925, ,437, ,345,000 5,259,246,517 4,622,088, ,128,334 10,481,496, ,098, ,343 49,936, ,820,776,574 1,935,813,257 59,898,647, ,808, ,411, ,860,000 29,995,021, ,805,142,298 1,103,757,014 3,310,547,013 18,190,212, ,782,396,043 (1,738,969,328,500) (39,820,747,387) (603,481,729) (118,676,014,451) (11,530,333) (1,128,397,070) 100,645,240, ,318,487,174 (618,616,317,575) 35,092,085, ,240,883,019 3,077,155,029 32,705,072,992 4,920,058,420 11,061,896,026 5,553,872, ,796,956 65,653,816 2,210,897, ,873 3,690, ,188,215,430 5,174,732,663 69,800,250, ,857,601 11,680,000 2,547,641,473 28,874,268, ,001,061,346 2,457,813,431 3,680,812,733 5,671,349, ,119,632,089 (1,776,731,367,578) (18,132,020,093) (856,604,474) (40,020,032,753) (117,038,772) (1,575,676,200) DGB Financial Group Report
141 ( : ) (Description) (Gain on Sale of Availableforsale Financial Assets) (Gain on valuation of hedged assets) (Gain on transaction of Hedging Derivative Instruments) (Gain on Valuation of Hedging Derivative Instruments) (Reversal of Reserve for Credit RiskAdjustment of Hedging Derivative Instruments) (Gain on disposal of Property & Equipment) (Gain on disposal of intangible assets) (Recovery of negative goodwill) (Recovery of Provisions) (Gain on Foreign Exchange) (Other operating income) (Gain from equity method investment securities) (Other nonoperating income) (Reversal of Expense of Stock Option) (Decrease(Increase) in Restricted Cash and Deposits) (Decrease(Increase) in Trading Securities) (Decrease in Derivative AssetsTrading) (Decrease(Increase) in financial assets designated at fair value through profit or loss) (Increase in Loans & Receivables) (Increase in Deferred Loan Origination Costs) (Increase(Decrease) in Deferred Loan Origination Fees) (Recovery of loans Writtenoff ) (Decrease(Increase) in Other Assets) (Increase in deferred acquisition costs) (Increase in separate account s asset) (Increase in Depository Liabilities) (Decrease in Trading Derivative Liabilities) (Decrease in provision for retirement benefits) (Increase in Plan Assets) (Increase(Decrease) in Other Liabilities) (Increase in separate account s liability) (Cash Outflows from Interest) (Cash Inflows from Interest) (Cash Inflows from Dividends) (49,351,808,580) (4,984,816) (1,347,244,166) (47,001,107) (772,727) (4,629,251,724) (204,978,941,425) (415,570,072) (80,924,527) (740,731,609,022) (431,901,778,469) (23,805,150,873) 38,408,666, ,460,870,000 (1,422,444,635,482) (36,365,090,645) 8,524,830,330 45,438,536, ,077,461 (50,519,047,770) (18,823,047,998) 1,817,976,718,946 (30,924,311,519) (7,764,011,374) (46,532,390,901) (779,518,836,236) 19,932,992,532 (531,179,821,484) 1,716,140,642,761 39,820,747,387 (75,427,201,602) (58,209,262) (2,788,135,787) (139,169,354) (74,947,969) (81,757,500) (1,601,849,554) (5,075,691,953) (122,639,197,600) (200,612,472) (50,466,925) (768,241,748,080) 289,249,845,508 6,176,240,068 34,769,599,866 (47,120,378,800) (4,645,188,312,456) (49,349,977,057) 6,140,923,690 37,870,301,432 (19,206,094,925) (35,354,624,588) (14,537,975,997) 2,772,228,987,630 (34,030,800,468) (4,315,732,867) (39,806,109,771) 959,930,296,865 14,302,063,790 (578,949,493,318) 1,821,285,803,739 18,132,020, DGB Financial Group Report 139
142 ( : ) (Description) (Cash Outflows from Income Tax Expense) (Increase(Decrease) in Other Liabilities) (Acquisition of Availableforsale Financial Assets) (Proceeds from disposition of Availableforsale Financial Assets) (Acquisition of Heldtomaturity Financial Assets) (Proceeds from disposition of Heldtomaturity Financial Assets) (Purchase of Property & Equipment) (Disposal of Property & Equipment) (Purchase of Investment Property) (Acquisition of investments in subsidiaries) (Purchase of Intangible Assets) (Proceeds from disposition of Intangible Assets) (Decrease(Increase) in Guarantee Deposits) (Decrease in Hedging Derivative assets) (Increase(Decrease) in Hedging Derivative liabilities) (Cash Flows from Financing Activities) (Increase in Borrowings) (Issuance of Debentures) (Repayment of Debentures) (Increase(Decrease) in Deposits for Letter of Guarantees) (Decrease in Borrowings from Trust Accounts) (Increase in fund for borrowing) (Increase(Decrease) in Foreign Exchange Settlement Credit) (Increase(Decrease) in Domestic Exchange Settlement Credit) (Increase paid in capital and capital surplus) (Surbordinate firms s paidin capital increase expense) (Dividends paid) (Hybrid bond distribution paid) (Decrease in NonControlling Interest) (Increase(Decrease) in Cash and Cash Equivalents) (Cash and Cash Equivalents at Beginning of Year) (Effect of Exchange Rate in Cash and Cash Equivalents) (Increase in cash & cash equivalent due to the change of consolidated entity) (Cash and Cash Equivalents at End of Year) (61,471,397,084) (545,428,094,038) (7,027,946,798,361) 6,507,986,357,338 (1,042,659,868,304) 1,172,190,655,050 (92,637,527,910) 16,282,079,295 (1,064,887,266) (33,998,873,352) (41,428,939,444) 1,085,672,727 (3,118,630,509) (117,333,302) 525,287,830,671 (240,059,208,842) 1,339,787,879,350 (391,319,903,456) 6,556,208,654 (39,213,470,384) 40,977,740 6,009,835,775 (93,257,856,960) (47,334,883,120) (14,060,800,000) (1,860,948,086) 12,493,990, ,741,676, ,090,625 7,836,610, ,206,367,479 (81,283,511,248) (915,581,424,327) (7,367,690,403,325) 6,756,757,347,923 (2,014,079,843,835) 1,865,335,783,177 (65,464,877,786) 376,037,506 (1,729,197,297) (63,000,000,000) (41,103,360,120) 746,557,500 (536,928,810) 14,604,955, ,505,084 1,103,062,536, ,308,386, ,654,931,420 (563,587,699,266) 17,398,400,694 (45,393,891,422) 125,160,140 (2,679,327,546) 92,596,739, ,356,098,080 (758,452,930) (42,897,009,280) (14,060,800,000) 288,126,352, ,064,219,493 8,334,830,999 42,216,272, ,741,676, DGB Financial Group Report
143 136,125,000 34,573,773 24,200,000 2,000,000 2,511, ,000 1,200, ,620, , ,759 17,238 10,901 4,480 8,571 4,175,695 2,473,209 1,106,600 97,042 2,681 13,683 1,528 8,612 3,703, ,977 14,888 14, (908) (56) , , , ,200 50,000 47, ,435 13,154 2,104, , , ,306 52,327 47, ,715 13,280 2,105, DGB Financial Group Report 141
144 300, % , % (50) (3) 453 6,886 2,506 5,180 (543) 7,204 2,280 2,904 (38) DGB Financial Group Report
145 23,568,694 23,653,696 22,221,950 22,300,239 9,482, ,878 9,523, ,691 9,048, ,206 9,101, ,434 33,578,887 33,705,809 31,795,366 31,928, , , , , , , , , , , , ,390 15,094 15,094 14,731 14, ,301 4, ,301 4,121 88,697 1,342 88,697 1, , , , , ,300 95, ,300 95, , , , , , , , , , , , , , , , ,699 1,541,357 1,541,784 1,565,848 1,573,776 36,610,470 36,738,368 34,646,593 34,789, , , , , , ,866 1,205,527 1,205, , , , , , ,667 61,251 61,251 1,092,611 1,091,245 1,728,975 1,727,227 (281,758) (281,758) (360,335) (360,335) (3,093) (3,093) (2,169) (2,169) (7,350) (7,350) (5,062) (5,062) 43,739 43,739 44,497 44,497 37,454,619 37,581,151 36,052,597 36,193, DGB Financial Group Report 143
146 12,539,550 11,950,018 11,029,144 10,271,932 23,568,694 22,221,950 5,838,943 5,524,532 3,643,372 3,523,678 9,482,315 9,048, , , , , , ,206 33,578,887 31,795, , ,542 99, , , , , , , , ,579 25,146 23, , , , , , , ,306 25,146 23, , , , , DGB Financial Group Report
147 360, ,821 45,408 (41,032) (264,295) (16,787) (224) , ,062 15, ,188 37,870 (34,771) (193,713) (11,710) 312 (12) 360, ,000, ,053,154 5, ,265,770,000 1,560,454,863,590 ()996,675, DGB Financial Group Report 145
148 ,700 59,911 29, ,565 2, ,620 14, ,700 59,911 29, , ,516 14, ,749 1,043 1,138,582 1,303, ,401 1, ,490 1,063, DGB Financial Group Report
149 288,302 15, , ,331 2, , ,302 15, , , ,058 1,609 1, DGB Financial Group Report 147
150 3,654,971 1,738, , , ,831 10,110 80,101 1, ,979 59,325 3,507,723 1,776, , , ,934 8,272 86,868 2, ,639 38,951 3,268, ,883 68, , ,663 8,558 5,410 10, , , , ,119 3,164, ,240 63, , ,980 4,920 11,268 2, , , , , , , ,676,590, ,097,767, ,053, ,231,236 1,702 1, DGB Financial Group Report
151
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CONTENTS 4 6 8 9 10 18 24 31 32 32 33 33 34 35 36 37 38 11(5) 62 4 77 2011 2012 2013 2014 2015 2016 2011. 05 2011. 06 2012. 01 2012. 01 2012. 03 2012. 03 2012. 04 2012. 04 2012. 08 2012. 08 2012. 08
www.dgbfg.co.kr _Contents 1. 2. 3. 4. 5. 6. 7. 8. 4 24 38 54 71 95 104 133 2 2015 DGB Financial Group Report 2015 DGB Financial Group Report 3 2015 DGB Financial Group Report 5 2010. 12 2010. 12 2011.
재무상태표 (Statements of Financial Position) Ⅱ. 부채 (Liabilities) 1. 당기손익인식금융부채 (Financial liabilities at fair value through profit or loss) 2. 예수부채 (Depos
재무상태표 (Statements of Financial Position) 주식회사우리은행 Ⅰ. 자산 (Assets) 1. 현금및현금성자산 (Cash and cash equivalents) 2. 당기손익인식금융자산 (Financial assets at fair value through profit or loss) 3. 매도가능금융자산 (Available for
재무상태표 (Statements of Financial Position) 제 5( 당 ) 기 2013 년 12 월 31 일현재 (As of December 31, 2013) 한국스탠다드차타드금융지주주식회사 (Standard Chartered Korea Limited)
2013 회계연도 ( 제 5 기 ) 결산공고 2013.1.1 ~ 2013.12.31 한국스탠다드차타드금융지주주식회사 재무상태표 Statements of Financial Position 포괄손익계산서 Statements of Comprehensive Income 연결재무상태표 Consolidated Statements of Financial Position
포괄손익계산서 (Statements of comprehensive income) Ⅵ. 중단영업이익 (Net income from discontinued operations ) Ⅶ. 당기순이익 (Net Income) , ,298 ( 대손준비금반영후
포괄손익계산서 (Statements of comprehensive income) 주식회사우리은행 Ⅰ. 영업이익 (Operating income) 1. 순이자이익 (Net interest income) (1) 이자수익 (Interest income) (2) 이자비용 (Interest expense) 2. 순수수료이익 (Net fees and commissions
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. Outlook of Life 8 Business Results (%) (%) (%) New Increase Business Increase Increase Business Rate in Force Rate Lapses &Surrendens Rate 8,,,, 8,8,,,,,,,8 8,, 8,,,,8,,8. 8......8...,,8,,,,,8,8 8,,8,,8,8,,,8,,88
( 단위 : 백만원, 1000주 ) 재무상태표재무상태표 - SAP기준 - SAP (Financial 기준 Position - SAP ) ( Unit: KRW mln, shares '000) 2017 년 12 월 31 일현재 (As of December 31, 2017)
( 단위 : 백만원, 1000주 ) 재무상태표재무상태표 - SAP기준 - SAP (Financial 기준 Position - SAP ) ( Unit: KRW mln, shares '000) 과목 Account Ⅰ. 운용자산 Ⅰ. Investment Assets 24,558,210 23,984,072 1. 현금및예치금 1. Cash and Deposits 560,147
( 단위 : 백만원, 1000주 ) 재무상태표재무상태표 - SAP기준 - SAP (Financial 기준 Position - SAP ) ( Unit: KRW mln, shares '000) 2017 년 09 월 30 일현재 (As of September 30, 2017
( 단위 : 백만원, 1000주 ) 재무상태표재무상태표 - SAP기준 - SAP (Financial 기준 Position - SAP ) ( Unit: KRW mln, shares '000) 과목 Account Ⅰ. 운용자산 Ⅰ. Investment Assets 24,483,701 23,984,072 1. 현금및예치금 1. Cash and Deposits 596,966
재무상태표재무상태표 - SAP기준 - SAP (Financial 기준 Position - SAP ) 과 목 Account 다. 유가증권담보대출금 C. Loan secured by security - - 라. 부동산담보대출금 D. Loan secured by real e
재무상태표재무상태표 - SAP기준 - SAP (Financial 기준 Position - SAP ) 과목 Account Ⅰ. 운용자산 I. Investment Assets 24,119,314 23,984,072 1. 현금및예치금 1. Cash and Deposits 618,879 565,397 가. 현금과예금 A. Cash and bank deposits 618,807
Valuation (DCF Multiple ) VIII Case Study 3 1 NOA, IBD ( 1 ) 2 ( 2 ) 3 (DCF 3 ) 4 WACC (DCF 4 ) 5 EBITDA (Multiple 3 ) 6 Multiple (Multiple 4 ) 7 ( 5
Valuation (DCF Multiple ) Valuation (DCF Multiple ) I Valuation 1 Valuation 2 valuation II VBM Valuation 1 VBM 2 M&A III 1 2 IV 1 NOA, IBD ( 1 ) 2 ( 2 ) 3 (DCF 3 ) 4 WACC (DCF 4 ) 5 EBITDA (Multiple 3
A 정기예금 Time Deposits A 특정예금 Restricted Deposits A 기타 Others A 장기대여금 Long-Term Loans A ( 대손충당금 ) (Allowance for Doubtful
IFRS Other Financing Gubun Account Code Account Name(Kor) Account Name(Eng) Formula Comment Detailed A110000 자산 Assets A110010 창업투자자산 Capital Investments A110020 투자실적자산 Investment Returns A110030 투자주식
MKIF_확정투자설명서_ PDF
(Macquarie Korea Infrastructure Fund) 1 : (Macquarie Korea Infrastructure Fund) : 110 11(:100-755) : 02-3705-4921 2 : / 3 : (Macquarie Shinhan Infrastructure Asset Management Co, Ltd) ( 110 11Tel: 3705-4921)
Korean Stocks Auto.xlsm
Ⅰ. 매출액 I.Sales 1. 제품 1.Goods 2. 상품 2.Product 3. 수수료수익 3.Commission income 4. 주세등 4.Liquor taxes Ⅱ. 매출원가 II.Cost of Goods Sold 1. 제품매출원가 1.Cost of finished goods 가. 기초제품재고액 A.Beginning inventory of finished
이 달 의 특 집 Ⅰ K-IFRS 기반공시용표준계정과목체계안내 - 금융감독원 - 금감원은 '11년국제회계기준본격도입에대비하여 K-IFRS 기반의 XBRL 공시용표준계정과목체계를개발하여상장법인및회계법인등에게제공하고자합니다. K-IFRS 기반 XBRL 계정과목체계는 IAS
이 달 의 특 집 Ⅰ - 금융감독원 - 금감원은 '11년국제회계기준본격도입에대비하여 K- 기반의 BRL 공시용표준계정과목체계를개발하여상장법인및회계법인등에게제공하고자합니다. K- 기반 BRL 계정과목체계는 IASB( 국제회계기준위원회 ) 에서공표한국제표준택사노미를근간으로하여다수의 K- 조기도입상장법인이사용하였거나, 영업이익등사회적이슈가되었던계정과목등을추가하여개발되었습니다.
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Sector comment Korea / Retailing 26 May 2016 OVERWEIGHT Stocks under coverage Company Rating Price Target price, Analyst 3774 3987 duncanlim@miraeasset.com See the last page of this report for important
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Part IV: Security Analysis Ch.12: Macroeconomic and Industry Analysis Equity Ch.13: Valuation Ch.14: Financial Statement Analysis 0 Chapter 14 Financial Statement Analysis 1 Financial Statements Analysis
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재무제표 구분 표준계정과목-공통 대차대조표 자산 가설재 소 Temporary Establishments 대차대조표 자산 감가상각누계액 소 Accumulated Depreciation 손익계산서 비용 감가상각비 중 Depreciation Expenses 대차대조표 자본 감자차손 소 Losses on Capital Reduction 대차대조표 자본 감자차익 소
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인덱스펀드와 ETF의 현황 및 전망 - 미국시장을 중심으로 - 2006. 4 자산운용협회 조사팀 (김영민 2122-0153) 1. 조사 배경 2005년 이후 국내 코스피지수가 1400p를 돌파하는 등 기존의 저평가 되었던 주식시장이 재평가되고 있는 것으로 여겨지고 있으며, ㅇ 코스피지수는 2005. 2.28에 1000p를 돌파한 후 7월부터는 1000p에 안
보험개발연구 제17권 제3호 비 퇴직연금을 포함한 책임준비금의 비중이 2001년에는 77%였고 2005년에는 78%임을 보여주고 있다. 이렇듯 거대한 규모로 인하여 책임준비금은 생명보험회 사의 손익에 막대한 영향을 미치고 있다. 그러므로 책임준비금 평가방법의 근본적 인
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Tax Mix Change John Freebairn Outline General idea of a tax mix change Some detailed policy options Importance of casting assessment in the context of a small open economy Economic effects of a tax mix
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이 책을 펴내며 한국은행은 1957년 우리나라 國 民 所 得 統 計 의 공식편제기관으로 지정되 면서 UN이 1953년에 발표한 國 民 計 定 體 系 와 그 附 表 (A System of National Accounts and Supporting Tables)의 작성기준에 따라 1953년 이 후의 국민소득통계를 작성해 왔습니다. 그리고 1986년부터 UN이 1968년
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July 27, 2016 Mondelez International Reports Q2 Results Diluted EPS was $0.29, up 16%; Adjusted EPS 1 was $0.44, up 4.5% on a constant-currency basis
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Korea/ 화학 LG 화학 Issue Comment BUY 20 July 2009 BUY 17 Jul 2009 박재철, Analyst, 3774-6896 parkjc@miraeasset.com 이학무, Analyst, 3774-1785 hmlee@miraeasset.com 기대감이큰유리기판사업 LG 화학이유리기판사업에 1.2 조원규모의투자를결정하였음. 이에대한우려보다는기대할것이많다고판단함.
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SAS Korea / Professional Service Division 2 3 Corporate Performance Management Definition ý... is a system that provides organizations with a method of measuring and aligning the organization strategy
의해서 소득이전 및 세원잠식(BEPS: Base Erosion and Profit Shifting)에 대응하기 위하여 발표된 15가지의 Action Plan에 그 배경이 있다고 볼 수 있음. - BEPS 방지를 위한 Action Plan은 OECD와 G20가 주축으로
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결산마감절차 1 집합손익계정의설정 : 2 수익과비용계정의마감 : 3 집합손익계정의마감 : 당기순손익을계산하기위한임시계정인집합손익계정또는손익계정을설정함 ( 기타포괄손익항목을제외한 ) 모든수익과비용계정의잔액을모두집합손익계정에대체함. [ 주의 : 기타포괄손익계정은개별적으로해당자본항목의계정에반영함 ] 집합손익계정의잔액을 ( 미처분 ) 이익잉여금계정 [ 자본 ] 에대체함
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Korea / 디스플레이 목표주가상향 LG 디스플레이 BUY 15 June, 29 BUY 1 Jun 29 BUY 19 May 29 이학무, Analyst, 3774-1785 hmlee@miraeasset.com 박재철, Analyst, 3774-6896 parkjc@miraeasset.com 단기적수익성회복모멘텀유효 NEG 2 개라인사고등으로유리기판공급이원활하지않아
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Report 기업분석 LG생명과학 (068870.KS) 2006년 9월 6일 Buy (유지) 목표주가 54,000원 (상향) Analyst 권해순 02)768-7977, haesoon.kwon@wooriwm.com 황호성 02)768-7597, hosung.hwang@wooriwm.com 이지현 02)768-7617, salome.lee@wooriwm.com
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가. 미국 투자법 개요 외국인 투자 지원제도 ㅇ 미국의 외국인 투자 유치활동은 연방정부보다 주정부에서 활발히 이루어지고 있다. ㅇ 미국의 각 주 정부는 해당 주의 경제개발, 고용창출 등을 위해 토지 무상제공, 각종 세액공제 또는 감면, 보조금 지원 등 다양한 투자유인을 제공하고 있다. ㅇ 투자지원 제도 내용은 주별로 상이하기 때문에 자세한 내용은 Select
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Korea/건설 코오롱 건설 Reinitiating coverage BUY 5 August 211 변성진, Analyst, 3774-1457, sjbyun@miraeasset.com Target price Current price (4 August 211) KRW7, KRW4,87 What s New 기지개를 켜는 코오롱 건설 코오롱 건설에 대해 투자의견 BUY
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Small Cap Report 투자전략 2008. 3. 20 Buy(매수) Analyst / 손세훈 (769-2076) wang2ma@daishin.com 자회사와 부동산 가치만으로도 싸다. 현재가(08/03/19) 3,505원 목표주가(6개월) 5,850원 액면가 500원 KOSDAQ 612.13 52주 최고/최저 6,860원/ 2,655원 자본금(보통주)
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214. 2. 11 Meritz Financial Team 은행/증권 Analyst 박선호 2-639-2627 sunho.park@meritz.co.kr 보험 Analyst 윤제민 2-639-4611 jemin.yoon@meritz.co.kr RA 은경완 2-639-2697 kyungwan.eun@meritz.co.kr Weekly Top-Picks 하나금융지주(8679)
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프로젝트 보고서 HP 회사에 대한 조사 보고서 Operations Management 팀원: 리영관 황해광 리려연 최 운 팀장: 리영관 13844376532 Mail: lrg1223@gmail.com 목차 i. 회사 발전역사 ii. 회사소개 Mission Goals 주요 생산품 소개 HP Way iii. iv. 마케팅 전략 HP 의 재무상황 매출액 주식변동
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I 회계의 기초 01 회계의 의의와 목적 02 회계의 분류 03 회계의 구성 요소 04 거래와 회계의 등식 05 회계 윤리 >> 이 단원에서는 회계의 뜻과 목적을 이해하고 기업의 경영 활동에 있어서 회계 정보가 왜 필요하며, 재무 상태와 경영 성과와 관련된 회계 등식과 회계 윤리의 중요성 이해에 중점을 두기로 한다. 최고 경영 관리자 총무.
공급 에는 권역에 두개의 프라임 오피스가 준공 되었다. 청진구역 2,3지구에는 광화문 D타워가 준공되어 대림에서 약 50%를 사용하며 나머지 50%는 임대마케팅을 진행 중이다. 메트로타워는 GS건설의 사옥에서 매각 이후 2013년 4분기에 리모델링을 시작하여, 에 완공
Savills World Research 브리핑 서울 프라임 오피스 사진 :, Seoul 개요 여의도와 도심의 높은 공실률에도 불구하고 향후 공실 감소 기대와 낮은 이자율, 우량물건이 뒷받침되어 서울 오피스 시장은 국내외 투자자들의 지속적인 관심을 받고 있다. 신규공급으로 의 공실률은 증가하였고 GBD와 YBD의 공실률은 감소하였다. 공실률이 증가한 에서 임차인
창업초기 기업 자금조달과 엔젤투자의 중요성 KVIC Focus 자본시장연구원 정책 제도실장 박용린 국가 경제의 지속적인 성장 동력의 확보, 고용 창출 및 경쟁력 향상에서 중소 혁신기업이 차지하는 역할에 관해서는 세계적으로 이견이 없다. 이에 미국, 영국, EU, 일본
ww.n VCPEmonthly The Journal of Venture Capital & Private Equity in Korea Vol. 57 2011.10 KVIC Focus - 창업초기 기업 자금조달과 엔젤투자의 중요성 P. 2 - 성공적 창업초기 투자를 위한 벤처캐피탈리스트의 역량 P. 8 - 미국 내 엔젤투자 동향 P. 13 Global Snapshot
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엔젤입문 초급자과정
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부동산시장 선진화를 위한 리츠제도 활성화 방안 연구 K-REITs as a Tool for Advancing Korean Real Estate Market: Policy Directions for Vitalizing K-REITs 국토연 2008-55 부동산시장 선진화를 위한 리츠제도 활성화 방안 연구 지은이 정희남, 최수, 권태정, 강승일, 송현부, 이현석