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1
2
3 _Contents
4 DGB Financial Group Report
5 2015 DGB Financial Group Report 3
6
7 2015 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 2015 DGB Financial Group Report 15
18 DGB Financial Group Report
19 (100%) (99.52%) (100%) (100%) (100%) (100%) 2015 DGB Financial Group Report 17
20 ( ) ( ) ,075 3, ,666 3, DGB Financial Group Report
21 ( ) ( ) ( ) 6, ,125, % ( ) 1,737 34,573, % ( ) 1,210 24,200, % ( ) 126 2,511, % ( ) 60 1,200, % ( ) , % 2015 DGB Financial Group Report 19
22 ,053,154 6, ,000,000 1,750 8, ,420,000 5,021 5, ,000,000 1,000 6, ~ ,705, , ,000, , ,737, ,002, , ,001, , ,200, ,000, , ,000, , ,511, DGB Financial Group Report
23 ,200, , , ( ) 1 11,755, THE OAKMARK INTERNATIONAL SMALL CAP FUND 7,908, ,696, ,335, ABERDEEN GLOBAL 5,904, PEOPLES BANK OF CHINA 2,668, SAUDI ARABIAN MONETARY AGENCY 2,398, BEST INVESTMENT CORPORATION 2,389, THE GOVERNMENT OF SINGAPORE 2,333, ABU DHABI INVESTMENT AUTHORITY 1,950, NORGES BANK 1,891, ,820, DGB Financial Group Report 21
24 ( ) , , ,010, ,987, ,187, ,551, , ,664, , ,391, , ,053, ,973, ( ) ,159, ,190, , ,482, , ,392, , ,828, , ,053, DGB Financial Group Report
25 , , (962) (141) (15) DGB Financial Group Report 23
26
27 ) 5,931 5, ,550 2, ,232 1, (10) (84) (22) (62) (383) 3,083 2, ,941 2, ) (1) (7) (1) DGB Financial Group Report 25
28 ) 5,101 5, ,260 1, ,969 1, (29) (85) (22) (63) (424) 2,618 2, ,618 2, ) (88) (88) DGB Financial Group Report
29 ) (8) (31) (31) 2015 DGB Financial Group Report 27
30 2015 DGB Financial Group Report ,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, , ,470 7,621 16,526 1,100 25,278 32, ,967 2,932 4,761 3, , ,361 6, , ,097 12,313 74, ,761 1,000 4,045 6, ,424 1,298 1,164 5,534 1, , ,559 3,349 3,360 9,829 16, ,
31 2015 DGB Financial Group Report 29 5,191 5,191 5,191 24, ,179 30, ,909 2,344 29,347 29,347 1,023 1,023 30, ,691 4,691 4,691 21, ,847 26, ,209 3,341 25,602 25, ,
32 2015 DGB Financial Group Report ,800 7,028 16,219 1,892 36, ,569 3,485 4, , , ,508 34, ,243 55, ,729 1,850 73, ,063 (79,860) (218,203) 5 2,306 1,131 3,972 (80) 5,396 2, ,608 1,397 1,436 5,864 1,556 1, , ,825 2,846 3,399 31,659 37, , , , ,207 6, ,125 11,319 (3,012) (8,307) (9) , ,989 14, (3.81) ,534 7,704 16,935 2,331 30, ,453 2,828 4, , , ,289 30, ,075 47, ,564 1,845 70, ,703 (67,897) (193,806) 2 1,388 1,442 4,085 (64) 4,414 2, , ,272 5,446 1,765 1, , ,606 2,667 3,176 26,115 31, , , , ,949 6, ,428 11,902 (3,105) (8,797) (7) , ,947 15, (4.57) (4.54) (11.30)
33 2015 DGB Financial Group Report ,603 48,101 48,101 2, ,270 3,516 51,617 2,984 41,382 3,555 47,920 47, ,327 3,697 51, ,
34 2015 DGB Financial Group Report 32 3,455 3,412 6,867 6,867 2,192 1,620 3,812 10, ,226 10,631 10, , ,620 1,675 5,295 5,295 1,270 1,291 2,562 7, ,553 7,807 7, ,
35 17, ,339 14, ,162 4, ,605 1,411 1, ,603 9,882 (279) 6, , , , , ,230 2,287 6,272 1,359 (8,677) 35,077 3,430 3,434 3,083 2,941 17, ,544 14, ,894 5, ,219 1,251 1, , , , , ,042 5,440 1,167 (7,651) 22,494 3,239 3,172 2,438 2, (308) 57 (732) (635) (73) (28) 4 1, ,603 9,882 (279) 2, ,118 (17) 469 (64) , , (1,026) 12, DGB Financial Group Report 33
36 2015 DGB Financial Group Report (74) (10) (38) (28) (28) (4) (26) (36) (18) (18) (1)
37 2015 DGB Financial Group Report 35 15, ,228 13, ,779 4, ,839 1,331 1, , , , , , ,230 2,025 5,451 1,173 (7,672) 22,954 2,926 2,893 2,618 1,570 2,618 16, ,544 13, ,598 5, ,946 1,241 1, , , , , ,932 5,268 1,041 (7,413) 21,735 3,238 3,201 2,502 2,280 2,502 (926) (17) (316) (577) (16) (819) (632) (88) (99) (107) , ,118 (39) 360 (64) , , (259) 1,219 (312) (308) 116 (710) 116
38 1, , ,673 9,606 7,146 2, , ,061 (1,107) 11,432 3, , , ,673 9,606 7,146 2, , ,061 (1,107) 11,432 3, DGB Financial Group Report
39 2015 DGB Financial Group Report (2) (341) (210) (19) (3) (7) (10) (5) 8 (2) (1) (131) 127 (39) (40) (31) (35) (31)
40
41 20,925 2,941 2,589 40,655 76, ,526 3,767 3, , ,934 64,754 49,405 24, ,673 37, , ,602 2,980 1,360 24,243 45, , ,360 2, , ,470 56,460 14, ,982 32, , , ,724 53,347 12, , ,058 50,491 10, ,907 34,666 2,856 2, , ,070 9, , ,984 8, ,624 31,086 1, DGB Financial Group Report 39
42 2015 DGB Financial Group Report ,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, , ,470 7,621 16,526 1,100 25,278 32, ,967 2,932 4,761 3, , ,361 6, , ,097 12,313 74, ,761 1,000 4,045 6, ,424 1,298 1,164 5,534 1, , ,559 3,349 3,360 9,829 16, ,
43 2015 DGB Financial Group Report 41 5,191 5,191 5,191 24, ,179 30,370 2,344 26, ,347 29,347 1,023 1,023 30, ,691 4,691 4,691 21, ,847 26,539 3,341 22, ,602 25, ,
44 2015 DGB Financial Group Report ,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, , ,534 7,704 16,935 2,331 15,792 15, ,453 2,828 4, , , ,289 30, ,075 47, ,564 1,845 70, ,703 67, , ,388 1,442 4,085 4,414 2, , ,272 5,446 1,765 1, , ,606 2,667 3,176 26,115 31, ,
45 2015 DGB Financial Group Report 43 6,867 2,192 1,620 10, , , ,295 1,270 1,291 7, , , ,603 2, ,270 51,617 2,984 3,555 41, ,326 51,
46 2,523 2,501 (22) 2,622 2,589 (33) 40,153 40, ,129 78, ,909 26, ,660 1,622 (38) 27,255 27, ,528 45, (1) 12,675 12, ,554 29, DGB Financial Group Report
47 685 2,858 1,439 9,389 14,371 3,263 5,295 3, , ,298 1,164 8,259 11,364 2,932 4,761 3, , , ,130 3, (89) 1, ,858 1,439 9,389 14,371 3,263 5,295 3, , ,298 1,164 8,259 11,364 2,932 4,761 3, , , ,130 3, (89) 1, DGB Financial Group Report 45
48 3, ,971 3, , ,666 1, ,389 1, ,043 2, DGB Financial Group Report
49 DGB Financial Group Report 47
50 3, ,524 3, , ,576 1, ,309 1, ,043 2, DGB Financial Group Report
51 DGB Financial Group Report 49
52 DGB Financial Group Report
53 340,362 3,483 4, ,043 2,976 3,519 2,350 3, ,190 3,082 3, ,088 2,844 3,436 3, DGB Financial Group Report 51
54 12, , DGB Financial Group Report
55 49,953,585 3,102,386 4,058,563 5,310, ,131,197 50,822,745 1,490,127 6,472,001 1,139, ,421 8,716, DGB Financial Group Report 53
56
57 317,875 40,988 32,451 29, ,116 37,345 28,883 26, ,296 1, ,343 12, ,319 9, DGB Financial Group Report 55
58 DGB Financial Group Report
59 1 24,062 (A+B+E) 20, ,146 (CD) 6, (M) ,222 27, (F) (GF) a 26b 26c 26d 2015 DGB Financial Group Report 57
60 26e 26f 26g 473 (H) ,470 1, ,752 26, ,699 (294) (I) 2,802 (375) 35 2,699 (I) 2, ,699 (I) 2, ,699 (I) 2, ,451 28, ,814 (J) 5, ,926 5, ,723 (D),(K),(L) 3, ,537 8, DGB Financial Group Report
61 ,537 8, ,988 37, , , , (N) 76 4,170 3, ,723 3, DGB Financial Group Report 59
62 20,925 18,196 2,941 2,915 2,589 1,622 40,655 27,732 76,184 45, , ,732 (3,603) (3,456) (K) 5 1,703 3,767 3,600 1, ,786 1,514 1, (G) (F) (N) 511, , , , ,294 33,294 31,460 30,947 8,800 8,800 4,814 (J) ,660 22, (L) 73,071 23, DGB Financial Group Report
63 8,453 15,604 10,630 2, , ,673 8,453 15,610 9,998 2,852 2, , , , ,425 36, ,396 (A) (B) (C) (D) (H) (E) (M) (I) 2015 DGB Financial Group Report 61
64 DGB Financial Group Report
65 DGB Financial Group Report 63
66 DGB Financial Group Report
67 497, ,829 23, , ,187 21,615 78,717 1, ,819 2, ,921 2, ,781 1, , ,389 8, , ,812 8,145 49,573 42,199 3,376 48,782 43,154 3,452 77,610 66,190 5,295 72,465 58,658 4,693 44,111 19,153 1,532 40,016 17,154 1, ,463 60,162 4,813 94,095 56,353 4,508 10,758 8, ,942 8, ,704 51,953 4,156 83,153 48,006 3,841 2,917 4, ,130 4, ,751 2, ,173 3, , , ,163 98,263 7,861 98,791 81,344 6,508 1, ,365 1,469 18,051 1, , ,875 25, , ,116 23, , ,097 50,299 3,858 4,093 (235) (0.16) 2015 DGB Financial Group Report 65
68 461, , , ,794 (997) (1,062) (1,080) (924) 460, , , , ,149 1,452 1, ,306 1,400 7,502 2, ,834 1,734 2,240 3,007 3,234 9,236 4,897 75,623 75,941 77,571 76,061 (40,713) (41,474) (42,510) (42,354) 34,910 34,467 35,061 33,707 32,452 33,676 32,935 32, , , , , DGB Financial Group Report
69 460,396 1, ,910 1, , DGB Financial Group Report 67
70 , , ,267 72, ,026 1, , , , ,530 30, ,801 17, DGB Financial Group Report
71 2, , , , , , (6.21) (17.53) (0.80) (2.22) (0.19) (0.20) DGB Financial Group Report 69
72 340,362 4, , ,535 4, ,043 3, , ,221 3, A2 P1 BBB+ A DGB Financial Group Report
73
74 DGB Financial Group Report
75 2015 DGB Financial Group Report 73
76 DGB Financial Group Report
77 2015 DGB Financial Group Report 75
78 DGB Financial Group Report
79 2015 DGB Financial Group Report 77
80 DGB Financial Group Report
81 355,713 3,605 78,314 1,149 56, ,174 1, , ,420 3,661 78,314 1,149 56, , ,955 1,061 3, , , ,223 2,516 28,740 1,109 9, ,695 17, , , , ,470 1, , ,420 3,661 78,314 1,149 56, , ,707 3,484 11,199 1,127 5, ,034 96, , , ,092 19, , ,610 46,435 49, , ,661 60,640 19, ,063 39,274 65, ,420 3,661 78,314 1,149 56, , DGB Financial Group Report 79
82 109,540 4,742 6,765 3, , ,217 8,041 10,787 1,805 4, , ,829 99,864 4,936 4,424 2, , ,443 5,995 8, , , ,190 3, , ,864 2, , , , , ,735 1, ,190 3, , DGB Financial Group Report
83 322,778 3, ,716 1, ,190 3, , ,853 1,721 3,999 1, ,493 2,493 2, DGB Financial Group Report 81
84 1, ,767 2,542 1,956 (1,841) 366 (325) (1,800) 3 (116) (26) , DGB Financial Group Report
85 109,884 6, ,880 8,039 1, , , ,072 41, , , , ,874 6, ,382 7,273 1, , DGB Financial Group Report 83
86 2015 DGB Financial Group Report ,138 2,171 12,967 29,043 29,043 2,084 46,275 13,730 1,946 11,784 26,390 26,390 2,084 42, , ,183 2,653 2,653 4,071 78,717 10, ,780 33,747 95,033 3, ,697 10, ,938 4,614 2,751 1,149 93, ,373 78,717 10, ,642 31,576 82,066 3, ,654 10, ,895 4,614 2,751 1,149 91, ,098
87 , DGB Financial Group Report 85
88 DGB Financial Group Report
89 2015 DGB Financial Group Report 87
90 2,365 2,365 2,404 2, ,365 3, ,404 2, DGB Financial Group Report
91 DGB Financial Group Report 89
92 167,989 6,405 2,407 1, , ,244 49,409 56,403 62, ,758 4,039 2,978 3,059 32,071 42,147 2,196 2,104 4,201 7,004 15,506 1,254 3,024 2,193 12,484 18,955 7,222 7,301 6,635 13,556 34, ,449 6,684 15,641 15,711 16,088 70, , DGB Financial Group Report
93 ,482 1, , DGB Financial Group Report 91
94 2, , ,558 2, , , (40) DGB Financial Group Report
95 ,556 2, ,561 2, DGB Financial Group Report 93
96 DGB Financial Group Report
97
98 2,350 3,350 (1,000) DGB Financial Group Report
99 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 2015 DGB Financial Group Report 103
106
107 2015 DGB Financial Group Report 105
108 (Description) ( : ) (Assets) (Cash and Due from Banks) 9,392,760,399 5,233,191,033 (Loans and Receivables) 335,199,976, ,504,246,058 (Investments in Associates) 2,690,886,238,590 2,220,886,238,590 (Tangible Assets) 67,021, ,239,664 (Intangible Assets) 365,082, ,591,117 (Deferred Income Tax Assets) 444,181, ,217,940 (Other Assets) 612,810,836 7,149,550,789 (Total Assets) 3,036,968,071,921 2,653,864,275,191 (Liabilities) (Borrowings and Bonds Payable) 519,130,206, ,134,310,150 (Retirement Payment Liabilities) 9,168, ,981,739 (Other Liabilities) 27,127,596,293 22,143,281,404 (Total Liabilities) 546,266,971, ,469,573,293 (Stockholders Equity) (Capital Stock) 845,265,770, ,265,770,000 (Capital surplus) 1,560,191,413,160 1,421,835,315,080 (Retained Earnings) 85,722,390,917 70,675,540,558 (Accumulated Other Comprehensive Income,Net of Taxes) (478,473,506) (381,923,740) (Total Stockholders Equity) 2,490,701,100,571 2,162,394,701,898 (Total Liabilities and Stockholders Equity) 3,036,968,071,921 2,653,864,275, DGB Financial Group Report
109 ( : ) (Description). (Net Interest Income(Loss)) (7,368,710,417) (3,793,824,004) 1. (Interest Income) 9,894,172,905 12,749,309, (Interest Expense) 17,262,883,322 16,543,133,111. (Net Fee and Commission Income(Loss)) (1,014,384,985) (2,764,339,102) 1. (Fee and Commission Income) 22,000,000 20,000, (Commission Expense) 1,036,384,985 2,784,339,102. (Receipt of Dividends) 78,045,000,000 63,980,750,000. (Impairment Loss(Income) on Financial Assets) (311,534,836) 144,689,291. (General and Administrative Expenses) 11,654,586,320 8,194,226,384. (Operating Income) 58,318,853,114 49,083,671,219. (NonOperating Income(loss)) (299,132,335) (509,869,424). (Income Before Income Tax Expense) 58,019,720,779 48,573,801,795. () (Income Tax Expense(Income)) 75,861,140 7,504,829. (Net Income) 57,943,859,639 48,566,296,966. (Other Comprehensive Income(loss)) (96,549,766) (74,548,074). (Total Comprehensive Income) 57,847,309,873 48,491,748,892. (Earnings per Share) DGB Financial Group Report 107
110 ( : ) (Description) (Retained Earning Before Appropriations) 64,627,390,917 54,530,330,764 (Unappropriated Retained Earnings from Beginning Year) 6,683,531,278 5,964,033,798 (Increase through changes in accounting policies) (Net Income) 57,943,859,639 48,566,296,966 (Transfer from Voluntary Reserves) 112,000,000 (Regulatory Reserves for Credit Loss) 112,000,000 (Appropriations of Retained Reserves) 55,129,883,120 47,846,799,486 (Legal Reserve) 5,795,000,000 4,857,120,226 (Regulatory Reserves for Credit Loss) 92,669,980 (Dividends) 47,334,883,120 42,897,009,280 (Indemnity Reserve) 2,000,000,000 (Unappropriated Retained Earnings to Subsequent Year) 9,609,507,797 6,683,531, DGB Financial Group Report
111 ( : ) (Description) (Capital Stock) (Capital Surplus) (Accumulated Other Comprehensive Income,Net of Taxes) (Retained Earnings) (Total) (Balance at the Beginning of FY2014) (Dividends) (Net Income) (Remeasurement of defined benefit plan) (Balance at the End of FY2014) (Balance at the Beginning of FY2014) (Increase paid in capital and capital surplus) (Dividends) (Net Income) (Remeasurement of defined benefit plan) (Balance at the End of FY2014) 670,265,770, ,265,770, ,265,770, ,000,000, ,265,770,000 1,421,835,315,080 1,421,835,315,080 1,421,835,315, ,356,098,080 1,560,191,413,160 (307,375,666) (74,548,074) (381,923,740) (381,923,740) (96,549,766) (478,473,506) 59,644,126,712 (37,534,883,120) 48,566,296,966 70,675,540,558 70,675,540,558 (42,897,009,280) 57,943,859,639 85,722,390,917 2,151,437,836,126 (37,534,883,120) 48,566,296,966 (74,548,074) 2,162,394,701,898 2,162,394,701, ,356,098,080 (42,897,009,280) 57,943,859,639 (96,549,766) 2,490,701,100, DGB Financial Group Report 109
112 ( : ) (Description). (1) (2) () (3) () () () () (4) (5) (6). ().. ()(++).. (Cash Flows from Operating Activities) (Net Income) (Adjustment of Revenues & Expenses not Involving Cash Flows) (Income Tax Expense) (Interest Expense) (Retirement Benefit) (Depreciation) (Amortization) (Provisions for Others) (Provision for loan losses) (Interest income) (Dividend income) (Change in Assets and Liabilities) (Decrease(Increase) in Loans & Receivables) (Decrease in Receivables) (Increase in Prepaid Expenses) (Decrease (Increase) in Advance Payments) (Decrease in Other Payables) (Increase in Accrued Expenses) (Increase in Longterm Accrued Expenses) (Decrease in Withholding Taxes) (Increase (Increase) in Value Added Tax Withheld) (Increase in Withholdings) (Payment for Retirement and Severance Benefit) (Increase in plan assets) (Increase (Increase) in other liabilities) (Cash Outflows from Interest) (Interest income) (Cash Inflows from Dividends) (Cash Flows from Investing Activities) (Purchase of Property & Equipment) (Purchase of Intangible Assets) (Increase(Decrease) in Deposits Provided) (Purchase of associates investments) (Cash Flows from Financing Activities) (Issuance of Debentures) (Repayments of Bonds) (Increase paid in capital and capital surplus) (Paidin capital increase) (Additional acquisition of investments in subsidiaries) (Dividends paid) (Increase(Decrease) in Cash and Cash Equivalents) (Cash and Cash Equivalents at Beginning of Period) (Cash and Cash Equivalents at End of Period) 147,470,708,566 57,943,859,639 (68,259,436,450) 75,861,140 17,262,883, ,955,840 85,717, ,853,868 2,000,000,000 (311,534,836) (9,894,172,905) (78,045,000,000) 99,973,777, ,000,000, ,461,537 (7,331,247) (5,245,000) (56,843,989) 311,377, ,210,066 (23,547,890) 7,449,998 2,496,310 (487,143,426) (276,000,000) 893,625 (16,848,000,000) 10,679,757,879 63,980,750,000 (63,518,926,200) (19,498,700) (604,427,500) 105,000,000 (63,000,000,000) (79,792,213,000) 149,605,300,000 (100,000,000,000) 313,499,496,280 (400,000,000,000) (42,897,009,280) 4,159,569,366 5,233,191,033 9,392,760,399 (6,419,211,694) 48,566,296,966 (59,358,103,097) 7,504,829 16,543,133, ,575,494 71,777, ,275, ,689,291 (12,749,309,107) (63,980,750,000) (50,615,733,849) (50,000,000,000) (914,508) 34,048,000 (240,968,121) 254,948, ,701,985 (29,343,170) (100,000) 3,075,790 (333,182,149) (517,000,000) (30,000,000) (16,036,500,000) 12,593,328,286 58,431,500,000 (7,211,518,700) (93,654,400) (117,864,300) (7,000,000,000) 12,130,238,351 49,808,519,671 (143,398,200) (37,534,883,120) (1,500,492,043) 6,733,683,076 5,233,191, DGB Financial Group Report
113 ,393 6, ,000 9,393 5, ,000 1,380 98, (629) 335,000 1,485 82,566 1,394 (941) 335, , (312) DGB Financial Group Report 111
114 100 2,281, ,081, , , , , , , , , ,000 2,690,886 2,220,886 44,522,990 41,047,432 2,304, ,841 40,071,199 36,953,956 2,183, ,182 5,334,713 5,049,145 1,165,197 18,959 1,258,282 1,030,491 73,898 5, , ,662 61,330 8,528 36,812 25,003 13,347 (2,417) 40,003 25,777 16,438 (354) 4, ,775 (9) 4, , , , , , ,165,820 47,152,922 3,564, ,482 41,081,841 37,812,239 2,266, , ,000, ,053,154 5, ,265,770,000 1,560,191,413, DGB Financial Group Report
115 88,273 9, , ,954 17,263 1,036 11,655 58,319 76,750 12, ,981 27,666 16,543 2, ,194 49,084 57,943,859, ,231, ,566,296, ,053, DGB Financial Group Report 113
116 , , , , , , , DGB Financial Group Report
117 9,393 1,380 94, , ,000 4, , , ,233 1,380 77, , ,000 4,933 1, , , ,052 74, ,516 3, ,653 88, , ,635 12,119 3,996 16,115 76, DGB Financial Group Report 115
118 200, , , , ,000 50, , DGB Financial Group Report
119 2015 DGB Financial Group Report 117
120 DGB Financial Group Report
121 ( : ) (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) 2,092,476,885, ,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 51,144,445,526,564 1,760,231,021, ,993,410, ,011,544,270 2,424,301,143,165 4,519,990,342,202 31,304,108,911,166 16,641,259, ,477, ,023,521,860 82,001,838,991 90,628,555,881 41,318,899,590 41,009,706,925,322 30,747,014,988,939 38,345,421,390 5,583,626,862 2,796,583,764,853 2,849,391,479,941 20,789,694,666 38,615,772,009 47,024,144,620 1,254,808,258,723 37,798,157,152, ,265,770,000 1,423,484,159, ,844,793,627 (720,209,000) 17,110,559, ,564,700,000 3,211,549,773,319 41,009,706,925, DGB Financial Group Report 119
122 ( : ) (Description). (Net Interest Income) 1,160,490,484,559 1,021,888,492, (Interest Income) 1,776,731,367,578 1,711,331,698, (Interest Expense) 616,240,883, ,443,205,778. (Net Fee and Commission Income) 78,071,285,111 67,117,470, (Fee and Commission Income) 141,086,254, ,141,510, (Commission Expense) 63,014,969,748 58,024,039,948. (Net insuarance loss ) (27,929,553,297) 1. (Insuarance income) 960,315,401, (Insuarance expense) 988,244,954,756. (Net Income on Financial Assets Held for Trading) 5,954,054,123 18,005,431,284. (Net Income on Financial Assets Designated at Fair Value Through Profit or Loss) 3,351,617,780 9,990,514,445. (Net Income on AvailableforSale Financial Assets) 75,600,327,339 31,431,545,456. (Net Income on Derivative AssetsHedge Accounting) 650,468,187 9,030,691,721. (Impairment Loss on Financial Assets) 228,742,088, ,166,460,681. () (Net Income(Loss) on Foreign Exchange) (361,863,746) 2,812,387,365. (General and Administrative Expenses) 627,204,701, ,032,656,490. () (Net Other Operating Income(Loss)) (96,901,824,658) (88,158,691,915). (Operating Income) 342,978,205, ,918,724,147. (NonOperating Income(loss)) 432,367,221 (6,700,186,056). (Income Before Income Tax Expense) 343,410,572, ,218,538,091. (Income Tax Expense) 35,092,085,410 73,434,789,478. (Net Income) 308,318,487, ,783,748, (Net Income in Controlling Interest) 294,097,767, ,732,835, (Net Income in NonControlling Interest) 14,220,720,034 14,050,912,754. (Comprehensive Income(Loss)) 837,690,118 20,814,833, (Gain(Loss) on Valuation of Availableforsale Financial Assets) 7,090,928,310 28,048,309, (Gain(Loss) on Translating Foreign Operations) 1,653,504,828 3,147,555, (Remeasurement of defined benefit plan) (7,906,743,020) (10,381,032,348) (Total Comprehensive Income) 309,156,177, ,598,582, (Total Comprehensive Income in Controlling Interest) 294,856,568, ,547,669, (Total Comprehensive Income in NonControlling Interest) 14,299,609,224 14,050,912,754. (Earnings per Share) 1,759 1, DGB Financial Group Report
123 (Description) (Balance at the Beginning of FY2014) (Hybrid Bonds Dividends) (Net Income for the year) (Dividends) (Gain on Valuation of Availableforsale Financial Assets) (Gain(Loss) on Translating Foreign Operations) (Remeasurement of defined benefit plan) (Balance at the End of FY2014) (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) (Capital Stock) 670,265,770, ,265,770, ,265,770, ,000,000, ,265,770,000 (Capital surplus) 1,423,484,159,107 1,423,484,159,107 1,423,484,159, ,356,098,080 (1,385,393,597) 1,560,454,863,590 (Capital Adjustment) (720,209,000) (720,209,000) (720,209,000) 720,209,000 (Accumulated Other Comprehensive Income, Net of Taxes) (3,704,273,810) 28,048,309,978 3,147,555,765 (10,381,032,348) 17,110,559,585 17,110,559,585 7,012,389,803 1,653,504,828 (7,907,093,703) 17,869,360,513 (Retained Earnings) 619,646,840, ,732,835,859 (37,534,883,120) 811,844,793, ,844,793, ,097,767,140 (42,897,009,280) 1,063,045,551,487 (NonControlling Interest) 289,564,700,000 (14,050,912,754) 14,050,912,754 ( : ) 289,564,700, ,564,700,000 (14,060,800,000) 14,220,720,034 78,538, , ,575,118 (93,268,333) 290,515,816,009 (Total) 2,998,536,987,185 (14,050,912,754) 243,783,748,613 (37,534,883,120) 28,048,309,978 3,147,555,765 (10,381,032,348) 3,211,549,773,319 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, DGB Financial Group Report 121
124 ( : ) (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) (Gain on Sale of Availableforsale Financial Assets) (Gain on valuation of hedged assets) 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) (75,427,201,602) (58,209,262) (96,558,338,033) 243,783,748,613 (717,255,552,738) 73,434,789, ,443,205,778 1,786,536,173 37,498,395,789 30,634,365 5,490,874,361 25,534,560,272 3,056,337,877 84,041, ,068,145 6,299, ,631,900,409 6,122,156,798 57,777,013,943 10,391,910 3,476,874,895 20,927,678,985 68,708,109,905 2,081,225,735 4,571,630,298 (1,711,331,698,238) (15,486,617,609) (673,298,075) (39,096,405,236) (9,834,039,364) (4,390,207,245) (30,156,842,430) (71,395,154) DGB Financial Group Report
125 ( : ) (Description) (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) (Cash Outflows from Income Tax Expense) (Increase(Decrease) in Other Liabilities) (Acquisition of Availableforsale Financial Assets) (Proceeds from disposition of Availableforsale Financial Assets) (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 18,132,020,093 (81,283,511,248) (915,581,424,327) (7,367,690,403,325) 6,756,757,347,923 (2,801,859,529) (6,498,260,406) (43,980,887) (20,923,895) (3,799,885,660) 71,520,497,270 (202,078,787) (223,289,025) (552,616,853,508) (260,136,423,327) (18,816,446,517) 60,087,779,862 10,667,692,799 (3,377,675,824,052) (40,060,283,466) 3,524,848,384 36,921,501,570 (28,742,892,804) 3,984,450,869,549 (35,606,641,601) (3,830,413,428) (27,015,175,531) (856,385,444,946) (655,336,075,755) 1,645,624,251,500 15,486,617,609 (76,244,473,754) 22,782,805,597 (3,298,575,270,662) 3,499,387,133, DGB Financial Group Report 123
126 ( : ) (Description) (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) (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) (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, ,741,676,047 (1,025,851,232,099) 922,128,580,283 (47,129,196,773) 113,766,384 (7,000,000,000) (27,587,345,969) 1,091,380,267 6,297,388,500 (92,397,951) 63,679,073, ,605,734, ,811,566,351 (799,993,693,685) 58,574,040,083 (112,901,550,808) 1,028,876, ,783,454 (37,534,883,120) (14,060,800,000) (10,096,458,619) 580,615,109, ,568, ,064,219, DGB Financial Group Report
127 136,125, % 3,475,558 2,304, , ,573, % 285,568 1,165,197 18, ,200, % 227,791 73,898 5, ,511, % 11,809 13,347 (2,417) , % 4,536 1,775 (9) ,200, % 7,636 5, ,012,898 3,564, , , , ,000 50,000 24, ,336 1,405 2,004, , , ,138 52,709 24, ,539 1,109 1,998, DGB Financial Group Report 125
128 300, % , % (3) ,204 2,280 2,904 (38) 7,892 2,931 4,609 2, DGB Financial Group Report
129 22,221,950 22,300,239 20,260,184 20,369,505 9,048, ,206 9,101, ,434 7,524, ,005 7,564, ,111 31,795,366 31,928,076 28,302,130 28,452, , , , , , ,291 99,048 99, , , , ,685 14,731 14,731 17,390 17,390 88,697 1,342 88,697 1,342 84, , , , , , , , , , , , , , , , , , , , , , , ,699 92,133 87,805 1,565,848 1,573,776 1,435,721 1,443,893 34,646,593 34,789,032 30,882,256 31,039, , , , ,926 1,205,527 1,205, , , , , , ,112 61,251 61,251 53,710 53,710 1,728,975 1,727, , ,400 (360,335) (360,335) (324,062) (324,062) (2,169) (2,169) (3,854) (3,854) (5,062) (5,062) (5,460) (5,460) 44,497 44,497 38,861 38,861 36,052,597 36,193,288 31,304,109 31,459, DGB Financial Group Report 127
130 11,950,018 11,273,057 10,271,932 8,987,127 22,221,950 20,260,184 5,524,532 4,588,100 3,523,678 2,936,841 9,048,210 7,524, , , , , , ,005 31,795,366 28,302, , , , , , , , , , , ,306 25,146 23, , , , , , , ,021 23,163 19, , , , , DGB Financial Group Report
131 324,062 15, ,188 37,870 (34,771) (193,713) (11,710) 312 (12) 360, , ,631 36,921 (5,302) (165,094) (14,653) 149 (14) 324, ,000, ,053,154 5, ,265,770,000 1,560,454,863, DGB Financial Group Report 129
132 ,700 59,911 29, , ,516 14, ,700 59,911 29, , ,565 14, ,401 1, ,490 1,063, ,178 1, , ,845 64,627 54,530 6,683 5,964 57,944 48, ,130 47,847 5,795 4, ,335 42,897 2,000 9,609 6, DGB Financial Group Report
133 3,507,723 1,776, , ,934 8,272 86,868 2, , ,315 38,951 2,249,400 1,711, , ,567 9,991 39,979 9,344 71,520 28,526 3,164, ,240 63, ,980 4,920 11,268 2, , , , , ,853 1,925, ,443 58, ,562 8, , , , , , , ,097,767, ,732,835, ,231, ,053,154 1,759 1, DGB Financial Group Report 131
www.dgbfg.co.kr _Contents 1. 2. 3. 4. 5. 6. 7. 8. 4 27 37 55 73 111 120 149 2 2016 DGB Financial Group Report 2016 DGB Financial Group Report 3 2016 DGB Financial Group Report 5 2010. 12 2010. 12 2011.
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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
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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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( 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
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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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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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경제개혁리포트 금산분리 특집 2 호 2007-12호 2007. 10.1 편집자 주 최근 재계는 물론 정치권과 정부 일각에서도 금산분리 원칙을 완화 내지 폐기하자는 주장이 제기되고 있습니다. 재벌 공화국으로 일컬어지는 우리나라의 경제 현실에서, 금산분리 원칙 폐기 주장은 곧 재벌의 금융 지배, 특히 은행 지배 를 허용하자는 것을 의미합니다. 이는 시장경제의 기본원칙에
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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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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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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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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.
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LG LGEI & LG : 2001. 11. 15 As a note, this presentation was released as the dates shown and reflected management views as of these dates. While reviewing this information, the data and information contain