공동체은행 빈고 2014년도 총회자료집
DESCRIPTION
공동체은행 빈고 총회 자료집TRANSCRIPT
- 1. 2014 4 ( ) : 2014 3 1 3 :
2. : ( , ) . . 3. 2013 2013 2013 () 2013 () 2014 () 2014 () 2014 () 2014 () () () 2013 1 : 1. 2. 3. : , , 4. 2 : 1. 2. 3. 4. 5. 6. 7. 2013 8. 2013 () () 9. 2014 () 10. 2014 () () 11. 2014 () 12. () 13. () 14. 15. 3 : 4. 2008 02 21 . . 11 . 2009 02 . 03 . 03 . 05 . 08 ~ 10 . 09 10 . 2010 02 . . 05 1 05 . 06 27 . 10 2 - 10 . 11 . 2011 03 1 . 04 . 05 3 . 05 . 05 . 09 . 2012 01 02 . . 02 . . 03 2 04 ~ 10 05 . 08 08 11 11 , 11 , 12 R 2013 01 03 3 07 07 09 10 12 2014 02 + 02 02 2 02 5. 2013 1 : 14:30 1 :, :, : 1 - 2 , - 3 - 4 - 5 - 6 - 15:20 1 - prezi !! 2 1 3 - , 2 16:10 2 - : 16:20 ( 40) , - ,,, 2012 - 2012 - :? --> .. , 2013 - : ! . : ? , : . : ? : . . : . .. : . . : ! ,,,,,,,,,--> ) ... ..^^ : . 17:40 2013 () - () () . . 17:50 : . : ... : ? : ... : ! 18:00 : 6! , / 5.18 4 ( 4.21 ) 42 !! ( !) 6. 2013 1. 2. 1. (52) 2. : 1 3. 37 88 122 173 51 141.8% 135,530,000 111,900,000 90,950,000 130,830,000 39,880,000 143.8% 330,315,818 275,100,589 208,083,728 219,444,876 11,361,148 105.5% 41% 41% 44% 60% 1(2010) 2(2011) 3(2012) 4(2013) / () () () / 1 4 2 2 3 7 4 4 5 4 6 1 7 5 8 7 9 3 10 5 11 6 12 4 52 ,,, , ,,,,,, ,,, ,,, ,,,, ,,,,,, ,, ,,,, ,,,,, ,,, L ~ 7. 3. 4. 1. 1. ( ) : , , , , , , , , , ( 10) 2. / : (), (), , , , 3. : , , , , , 2. 1. : 3~9 2. : 10~ 3. 1. (1~) 2. (7~) 4. 1 1000 2 1000 3 2000 4 4000 5 1000 6 2000 7 1000 8 2000 9 2000 10 1000 11 1000 12 1500 13 1500 14 0 15 0 16 0 17 1000 18 1000 1 2 3 4 5 6 7 8 9 10 11 12 1 2 5 , , ,, 4 ,, 7 ,, ,,, 10 ,,, 10 ,,, R ,, 11 ,, , ,,, ,, 11 ,, ,, , , ,, 2013.04.09 2013.04.23 2013.05.07 2013.05.21 2013.06.04 2013.06.18 2013.07.02 2013.07.23 2013.08.13 2013.08.27 2013.09.10 2013.09.28 2013.10.08 2013.10.26 2013.11.12 2013.11.29 2013.12.10 2013.12.26 2014.01.07 2014.01.25~26 2014.02.15 2014.02.27 1 , , , , , , , 2 , , , , , , 3 , , , , , , , 4 , , , , , , , , 5 , , , , , , , , 6 , , , , , , 7 , , , , , , , 8 , , , , , , , , , , , , , 9 , , , , , , , , , 10 , , , , , , , 11 , , , , , , , , 12 , , , , , , , 13 , , , , , , , , 14 , , , , , , , , , , , , 15 , , , , , , 16 , , , , , , , , 17 , , , , ,, , 18 , , , , , , , ,,, , , 19 , , , , , , , , , 20 , , , , , , , , , , , , , 21 , , , , , , , , , , , 22 , , , , , , 8. 5. 6. 7. 12 1. : 2014 1 25~26 2. : ( ) 3. : (), (), (), (), (), (), ( ), (), (), (), (), (), (), () 4. 1. , 2. 1 ( , ), , // 3. 2 , , , , 4. 5. 3 - , 6. - 8. MT 1. : 2013 7 5 ~7 2. : , , , , , 3. 1. : < >, < > 2. 3. + 4. 9. 1. : 11 06 : (, ) 2. : 02 24 : (, ) 5. 2013.07.30 2013.11.05 2013.08.06 2013.11.12 2013.09.17 2013.11.19 2013.09.27 2013.11.26 2013.10.01 2013.11.05 2013.10.08 2013.11.12 2013.10.15 2013.11.19 2013.10.22 2013.11.26 2013.10.30 1 10 2 11 3 12 4 13 5 14 6 15 7 16 8 17 9 2014.02.04 2014.02.11 2014.02.18 2014.02.03 2014.02.10 2014.02.17 2014.02.24 1 2 3 4 5 6 7 9. 1. 2. 1. 2. 3. : 010 3058 1968 4. : bingobank 5. : 010 3058 -1968 3. 1. : https://www.facebook.com/groups/bingobank/ 1. . 2. . 3. , . 2. : https://www.facebook.com/communebank 1. . 2. . 3. '' . 4. . 3. : https://www.facebook.com/bingobank 1. . 2. . 4. 1. . / 2~8 2. 5 5 . . 3. . 5. 08 10 09 14 10 12 11 07 12 05 01 15 02 18 1 08 , , , , , , , 2 09 , , , , 3 10 , , , , , , 00 4 11 , , , , 5 12 , , , , 6 01 , , , , 7 02 , 6 , , 2, , , 10. 6. / 1. 1. : 84 2. : 310 3. : 7739(1=1) 4. : 3751 5. : 332 2. 1. . 2. : , , , , , 3. : , , , , , 4. : , , 3. 1. 1. : 4 150 . 2. : 1 1700 . ( ) 3. : 3 5200 . 6 6200 . 2. : , , R 7. 1. 1. : (7), (9). (1), (2), 2(2), (2) 2. : (5), (10), R(12, ), (2) 3. : (10) 04 09 04 09 07 05 07 18 08 10 08 20 08 21 08 26 08 27 09 17 09 17 09 17 09 27 09 27 11 05 11 29 11 29 12 23 01 02 1/4 (, ) (, ) () () () , () () () () (,,) () 2013 11. 2. 1. : , : : 28 / 45 2. : : 7 / 23 3. : 9 ( 3, 3, 1, 1, 1) 4. : 3 ( , , ) 8. 9. / 1. / 2. < > 12 1. : 2013 7 12 2. : , 3. / : , , , , , , 4. : , (), ( ), /// ( / ), // ( /), ( ), / ( / ), ( ), (, LAB39), / ( ), (R, ) 3. / 1 2013-03-11 120,000 2 2013-03-11 240,000 3 2013-03-11 120,000 4 2013-04-03 120,000 5 2013-04-11 120,000 6 2013-11-05 120,000 7 2013-11-06 200,000 8 2013-12-04 130,000 9 2013-12-10 130,000 10 2013-12-10 130,000 11 2013-12-28 130,000 1,560,000 / , , , , , / , 04 02 05 04 06 05 07 07 08 01 09 04 10 15 11 27 12 11 01 20 4 ,,,,,,,, 5 , , , , 4 6 , , , , 7 , , , 2 8 8 9 9 10 10 11 11 + : , , , 5 12 12 , , 1 , , 2 12. 4. 5. 6. , 11 09 11 16 11 23 11 30 12 07 12 13 1 : , , , 2 : . . . 3 : . . 4 : : JAK . 5 : ? 6 : . . 10 28 11 04 11 11 11 18 11 25 12 02 12 09 1 1 : , 2 2 : 3 3 : 4 4 : 5 5 : 6 6 : 7 7 : 02 13 02 14 02 14 02 16 02 17 02 23 02 24 , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , 04 25 05 11 05 16 06 07 07 18 07 26 07 31 08 08 08 22 09 27 10 11 11 10 12 02 12 15 12 17 12 17 12 18 01 14 01 17 01 21 - , , (SVPS) , , , , , , () , / : Urban Commoning MAD , , , , / , , , 13. 2013 1. 1. ( 2 ) 2. ( 1 . ) 3. 4. ( ) 5. ( ) 6. 7. . 2. 1. 1. ( ) 2. 3. 4. + , 1-2-3 5. : ( 3 ) 6. 7. ( . ) 3. 1. 2. 4. 1. ( , ) 2. 8 3. ( . ) 4. ( ) 5. 1. . 2. , 3. ( , , ) 4. 5. , 6. 1. ( 90,950,000 -> 130,830,000 ) 2. ( 82,700,000 -> 20,700,000 ) 14. 2013 () 1. (2013 12 31 ) 2. (2013 1 1~2013 12 31) 3. . 219,444,876 208,083,728 105% 219,444,876 208,083,728 105% 11,745,346 13,334,198 88% 130,830,000 90,950,000 144% 2,745,346 1,334,198 206% 22,938,538 17,418,269 132% 9,000,000 12,000,000 75% 13,420,521 10,262,302 131% 4,000,000 4,000,000 100% 0 840,000 0% 1,000,000 1,000,000 100% 9,095,317 6,315,967 144% 1,000,000 1,000,000 100% 422,700 2,000,000 2,000,000 100% 29,896,750 10,355,340 289% 175,000,000 170,000,000 103% 21,561,400 8,080,200 267% 40,000,000 40,000,000 100% 3,500,000 20,000,000 20,000,000 100% 1,592,672 434,668 366% 20,000,000 20,000,000 100% 1,340,000 20,000,000 20,000,000 100% 747,506 20,000,000 20,000,000 100% 300,000 10,000,000 10,000,000 100% 239,172 239,172 100% 10,000,000 230,000 230,000 100% 10,000,000 10,000,000 100% 190,000 190,000 100% 10,000,000 10,000,000 100% 106,000 15,000,000 50,000 28,699,530 20,749,530 138% 40,000 15,100,000 1,300,000 1162% 20,700,000 82,700,000 25% 2,700,000 850,000 318% 0 50,000,000 0% 1,920,000 6,500,000 30% 0 10,000,000 0% 2,460,000 2,520,000 98% 0 8,000,000 0% 6,410,000 4,150,000 154% 3,200,000 3,200,000 100% 109,530 5,429,530 2% 17,500,000 11,500,000 152% 15,079,588 6,660,119 (2013) (2012) / (2013) (2012) / + R 1 2 6,071,804 7,226,168 84% 22,351,392 13,886,287 161% 2,878,004 4,844,668 59% 21,302,436 12,142,680 175% 2,100,000 375,000 560% 17,310,000 11,020,000 157% 280,000 770,000 36% 1,035,636 702,680 147% 690,000 236,000 292% 2,070,000 420,000 493% 123,800 10,500 1179% 886,800 1,200,000 900,000 133% 1,048,956 1,743,607 60% 620,546 140,217 443% 15,079,588 6,660,119 226% 428,410 1,603,390 27% 15. 2013 () 5 . 1 . 1. . 170 / . 2. , 60% . . , . . 3. . . . . 4. , 2 . , . . . 5. . , . . , . , . . . . : (), () 16. 2013 () 1 : 2 : 2,859,146 19.0% 2,860,000 19.0% 1,600,000 10.6% 450,000 3.0% 7,310,442 48.5% 15,079,588 100.0% 2.5% 10% 3% 30% + 2,859,146 19.0% 2,860,000 19.0% 2,860,000 19.0% 450,000 3.0% 6,050,442 40.1% 15,079,588 100.0% 2.5% 3% 30% + 17. 2014 () 1. 2014 , . , . 2. 3. 1. 1. 1. , . , . . . , , . 2. : !! 3. : / 50 / 10% / 50% 2. 1. . . . . . ? 2. 1. 2013 . (: , ) . ( ) ( ) . 2. : ( ), ( ), 3. : (2013 12~) > () > (4) 4. : / / / 3. LETS 1. LETS ? 2014 LETS . . . . 2. : ( ), ( ), ( ), 18. 3. : (5) > (6) > (8) 4. : ( ) / 5. LETS ( ) !!! 3. 1. . ( ) . . . . by ? . 2. : ( ) 3. :2014 3 ~12 4. : / / ( & ) 2. 1. . . . . 2. 1. . . . . . . 2. : ( ), ( ), ( ), 3. : (3, 4) > (4~) > () 4. : / / 3. / 4. 1. . . , , , , , . . 2. : 3. : 2 1 4. : / / 5. 1. / . . . . . 2. : ( ), ( ), 3. : 4. : / / 3. 1. 1. . , . , . . 2. : 3. : 2013 4. : 2. 19. 1. . . , . 2. : . . 3. : 4. : 2013 5. : 4. // 1. 1. 2013 . . 2. : ( ) 3. : 4. : 1 , 2. 1. 2013 2014 . 1 . . . 2. : ( ), 3. : 1 ( ), 1 ( 2 @) 4. : , , 3. 1. . . ( .) . . 2. : ( ), 3. : ( 2 ), ( 1 ) 4. : / / / ( ) 4. 1. .( .) . 2. : ( ) 3. : 5. 1. , , . . 2. : ( ) 3. : 6. 1. 4 . . . 2. : 3. : (, ), , 5. 1. 2013 . 2014 . 2. 20. 1. . . . . . 2. : (), ( ) 3. : () / / / / 3. 1. . 2. : () 3. : , , / / 4. 1. . . 2. : (), ( ) 3. : , , 5. / 1. . . 2. : ( ), (), ( ) 3. : / / 6. 1. 1. , . 2. : , 3. : (4) > (2015.1) 4. : / ( , ) / (, ) / (, , ) 2. 1. . 3. 1. . 21. () 1. 2. () 1. : 1 2. : 2 1. : 1 ( ) 2. : 1 ( ) 3. : 1 ( + ) 4. : 1 5. 3. () 1. (, ) (, ) (, ) 2. (, ) 3. (), (), (), (), (), (), (), ( ), (), (), () 11 4. ( ), ( ) 22. 2014 () () 1. : 2. : : , , , . , . () 1. : 1=1 , 1 . 2. : 1=1 , 1 , (, , , , , , , ) 1 . : , , . , 1 . 1 . 22,351,392 19,320,000 116% 3,031,392 21,960,000 1,740,000 17,310,000 16,800,000 103% 510,000 18,000,000 1,500,000 12 2,070,000 600,000 345% 1,470,000 1,200,000 10,000 120 1,922,436 600,000 320% 1,322,436 1,800,000 150,000 12 620,546 120,000 517% 500,546 600,000 50,000 12 428,410 1,200,000 36% -771,590 360,000 30,000 12 - 0 7,271,804 11,520,000 63% 4,248,196 13,800,000 1,150,000 2,878,004 4,800,000 60% 1,921,996 2,400,000 200,000 12 2,100,000 3,000,000 70% 900,000 5,400,000 450,000 12 280,000 1,200,000 23% 920,000 2,400,000 200,000 12 690,000 600,000 115% -90,000 1,200,000 100,000 12 1,323,800 1,800,000 74% 476,200 1,800,000 150,000 12 - 120,000 0% 120,000 600,000 50,000 12 15,079,588 7,800,000 193% 7,279,588 8,160,000 2013 2013 2014 2013 2013 2014 23. 2013 1. ( ) . . . , , , . . . . , . . . . : 010 3058 1968 / [email protected] 2. 1. 2010 5 5 . 2010 2013 (12 31) . 40 , 51 . . , , . 3 4 . 3 , . 1 75 . , 173 , 10 . , . 2. 37 88 122 173 51 141.8% 135,530,000 111,900,000 90,950,000 130,830,000 39,880,000 143.8% 330,315,818 275,100,589 208,083,728 219,444,876 11,361,148 105.5% 41% 41% 44% 60% 3,662,973 1,271,591 745,492 756,243 1(2010) 2(2011) 3(2012) 4(2013) / () () () / 1 1000 2 1000 3 2000 4 4000 5 1000 6 2000 7 1000 8 2000 9 2000 10 1000 11 1000 12 1500 13 1500 14 0 15 0 16 0 17 1000 18 1000 1 2 3 4 5 6 7 8 9 10 11 12 1 2 5 , , ,, 4 ,, 7 ,, ,,, 10 ,,, 10 ,,, R ,, 11 ,, , ,,, ,, 12 ,, ,, ,, ,, 24. 3 / . , . 2013 (7) (10) , (10) . 5 , 7 . 10 . 11 1 2 3 1,2,3 . R , . 2014 . , , ( ) , , , , . 2014 3 (4), (5), (7), (11), (11 ), (12). 2013 . 2014 . 3. 2013 (+) 201312 31 [=+], 2013 [=+] . , , , . , , . . 3. 1. (2013.12.31 ) 219,444,876 208,083,728 105% 219,444,876 208,083,728 105% 2,745,346 1,334,198 206% 130,830,000 90,950,000 144% 9,000,000 12,000,000 75% 22,938,538 17,418,269 132% 4,000,000 4,000,000 100% 29,896,750 10,355,340 289% 175,000,000 170,000,000 103% 20,700,000 82,700,000 25% 28,699,530 20,749,530 138% 15,079,588 6,660,119 226% 7,271,804 7,226,168 101% 22,351,392 13,886,287 161% 2,878,004 4,844,668 59% 17,310,000 11,020,000 157% 2,100,000 375,000 560% 2,070,000 420,000 493% 280,000 770,000 36% 1,922,436 702,680 274% 690,000 236,000 292% 620,546 140,217 443% 1,323,800 910,500 145% 428,410 1,603,390 27% 15,079,588 6,660,119 226% (2013) (2012) / (2013) (2012) / + 25. ( : ) ( : + ) . . [ ] . , , . [ ] . , , . [ ] . 10 . 2013 (, ) , (, R) 500 . [ ] . , . 800 , 38% . . , . [] . 4000 , 44% . [] , 4 . [] . [] . [] . [] , . [] . [] . [] 2013 . , , . . 40% , . 75% . , / . 219,444,876 208,083,728 105% 219,444,876 208,083,728 105% 11,745,346 13,334,198 88% 130,830,000 90,950,000 144% 2,745,346 1,334,198 206% 22,938,538 17,418,269 132% 9,000,000 12,000,000 75% 13,420,521 10,262,302 131% 4,000,000 4,000,000 100% 0 840,000 0% 1,000,000 1,000,000 100% 9,095,317 6,315,967 144% 1,000,000 1,000,000 100% 422,700 2,000,000 2,000,000 100% 29,896,750 10,355,340 289% 175,000,000 170,000,000 103% 21,561,400 8,080,200 267% 40,000,000 40,000,000 100% 3,500,000 20,000,000 20,000,000 100% 1,592,672 434,668 366% 20,000,000 20,000,000 100% 1,340,000 20,000,000 20,000,000 100% 747,506 20,000,000 20,000,000 100% 300,000 10,000,000 10,000,000 100% 239,172 239,172 100% 10,000,000 230,000 230,000 100% 10,000,000 10,000,000 100% 190,000 190,000 100% 10,000,000 10,000,000 100% 106,000 15,000,000 50,000 28,699,530 20,749,530 138% 40,000 15,100,000 1,300,000 1162% 20,700,000 82,700,000 25% 2,700,000 850,000 318% 0 50,000,000 0% 1,920,000 6,500,000 30% 0 10,000,000 0% 2,460,000 2,520,000 98% 0 8,000,000 0% 6,410,000 4,150,000 154% 3,200,000 3,200,000 100% 109,530 5,429,530 2% 17,500,000 11,500,000 152% 15,079,588 6,660,119 (2013) (2012) / (2013) (2012) / + R 1 2 26. 2. / ( : ) ( : + ) 100% , 2012 2013 . 12 13 . . 2012 2013 , , . 4. 1. (2013.01.01~2013.12.31) . 5 , , . 50% , , . , . 7,271,804 7,226,168 101% 22,351,392 13,886,287 161% 2,878,004 4,844,668 59% 17,310,000 11,020,000 157% 2,100,000 375,000 560% 2,070,000 420,000 493% 280,000 770,000 36% 1,922,436 702,680 274% 690,000 236,000 292% 620,546 140,217 443% 1,323,800 910,500 145% 428,410 1,603,390 27% 0 90,000 0% 15,079,588 6,660,119 226% / / 27. 2 , . 1/3 , 2/3 . 5% 29% , . 2. / 2012 , . . , 2012 . 5 , , . 3. / 22,351,392 17,310,000 4,500,000 2,160,000 2,100,000 2,100,000 2,100,000 1,050,000 900,000 780,000 720,000 500,000 400,000 2,070,000 40,000 20,000 60,000 30,000 20,000 60,000 60,000 1,650,000 20,000 70,000 40,000 1,922,436 886,800 535,047 260,000 130,589 90,000 20,000 620,546 457,801 145,735 17,010 428,410 -01 -02 -03 -04 -05 -07 -08 -09 -10 -11 -12 / 7,271,804 2,878,004 600,000 1,120,000 1,158,004 2,100,000 1,275,000 600,000 150,000 75,000 280,000 50,000 230,000 690,000 80,000 320,000 200,000 90,000 1,323,800 1,200,000 8,800 60,000 55,000 - 12 - 6 - - 3 - 28. . 9 , 2012 , . / . / / , , . , . . ( .) , , . . . (, ) (), . 2013 25000 2, 10 2 . , , , . , . / , , . 5. 1. / 7700 , 3700 . , . 4000 13000 . 84 . . 310 1.8, 3.7 . ( ) . 1, 8, 12 1000 , 9095 7739 3751 3988 310 84 2012 13083 332 29. 12 , . , 300 . 2. / , 1,10,100,1000 . () () . , . , 10 , 100 1000 . 3. 30. 2010 2013, . , 1, 10, 100, 1000 . , . . 1, 2, 3, 4 10 , 100 . 4. 2013 . , . 6. 1. . , , . , . , , . , . 10,262,302 3,158,219 0 3,158,219 13,420,521 840,000 720,000 -1,560,000 -840,000 0 6,315,967 2,781,900 -2,550 2,779,350 9,095,317 0 522,700 -100,000 422,700 422,700 17,418,269 7,182,819 -1,662,550 5,520,269 22,515,838 2012 2013 2244 2196 4861 865 765 637 404 368 2299 193 181 174 218 112 106 54 74 50 74 49 392 44 50 29 54 25 76 22 20 20 6 6 0 0 5 -4 3 -6 580 -212 671 -634 13083 3988 2013 R 31. () , . , 2013 2012 . 2012 2013 , . 1300, 2000 . 2. 2012 84 2013 72 156 . . , . 3. , . 3%~3.5% . . 100 , 3 , , 100 15, 4 , 4 , 3 , 1 . 4. 315 , 1340. . , . 2014 2000 . 1 2013-03-31 1,950 2 2013-03-31 600 2,550 1 2013-03-11 120,000 2 2013-03-11 240,000 3 2013-03-11 120,000 4 2013-04-03 120,000 5 2013-04-11 120,000 6 2013-11-05 120,000 7 2013-11-06 200,000 8 2013-12-04 130,000 9 2013-12-10 130,000 10 2013-12-10 130,000 11 2013-12-28 130,000 1,560,000 / , , , , , / , 32. 5. . , . . , , . 2013 , 2014 2013 . 7. . , , , , , , , . , . . 3000 , . . 8. 1. . 6% . 1 2013-10-30 522,700 522,700 2 2013-11-21 50,000 472,700 3 2013-11-26 50,000 422,700 522,700 100,000 422,700 - 190,000 84,000 106,000 106,000 522,700 522,700 0 0 3,500,000 3,500,000 3,500,000 1,340,000 1,340,000 1,340,000 8,080,200 32,989,340 19,508,140 13,481,200 21,561,400 50,000 50,000 50,000 4,040,000 4,000,000 40,000 40,000 300,000 300,000 300,000 1,181,300 470,800 1,652,100 -1,181,300 0 239,172 239,172 434,668 1,158,004 1,158,004 1,592,672 190,000 190,000 230,000 230,000 1,047,838 300,332 747,506 747,506 170,000 170,000 0 0 10,355,340 44,560,844 25,766,940 18,793,904 29,896,750 2012 2013 50,000,000 17,000,000 67,000,000 -50,000,000 0 3.84% 10,000,000 52,000,000 62,000,000 -10,000,000 0 6.00% 8,000,000 8,000,000 -8,000,000 0 4.00% 11,500,000 6,000,000 6,000,000 17,500,000 4.00% 3,200,000 0 3,200,000 4.00% 82,700,000 75,000,000 137,000,000 -62,000,000 3,200,000 2012 2013 R 1 2 33. , . . R , 1000 , 12 . 1 , 2 . . 2. 9. 1. . 8200 6900 , 1300 . 2 . 11, 12 . 2. 477,736,050 409,026,050 68,710,000 685,435,580 603,775,580 81,660,000 -207,699,530 -194,749,530 -12,950,000 312 168 144 269 167 102 34. , 2013 . 2013 . 87% , 2013 39% 84% . 42% , . . . 10. . , , CMA . 11. 1. 1~4 . 377,950,000 552,950,000 -175,000,000 15 33 81% 68% 84% 9,700,000 24,800,000 -15,100,000 17 13 4% 39% 7% 7,021,050 9,721,050 -2,700,000 25 11 1% 72% 1% 6,500,000 6,500,000 0 34 61 1% 100% 0% 0 4,000,000 -4,000,000 0 3 1% 0% 2% 16,200,000 18,120,000 -1,920,000 17 11 3% 89% 1% 20,295,000 22,755,000 -2,460,000 107 100 3% 89% 1% 19,250,000 25,660,000 -6,410,000 59 11 4% 75% 3% 20,820,000 20,929,530 -109,530 4 5 3% 99% 0% 477,736,050 685,435,580 -207,699,530 278 248 100% 70% 100% 21,000,000 26,000,000 -5,000,000 1 4 32% 81% 39% 6,600,000 16,750,000 -10,150,000 8 3 21% 39% 78% 4,650,000 5,500,000 -850,000 11 3 7% 85% 7% 5,380,000 4,710,000 670,000 20 34 6% 114% -5% 0 0 0 0 0 0% 0% 8,400,000 3,820,000 4,580,000 2 2 5% 220% -35% 7,980,000 7,920,000 60,000 45 28 10% 101% 0% 14,700,000 16,960,000 -2,260,000 23 7 21% 87% 17% 0 0 0 0 0 0% 0% 68,710,000 81,660,000 -12,950,000 110 81 100% 84% 100% 2013 12,000,000 15,000,000 27,000,000 -12,000,000 0 0 95,500,000 86,500,000 9,000,000 9,000,000 12,000,000 110,500,000 113,500,000 -3,000,000 9,000,000 2012 2013 15,079,588 130,830,000 219,444,876 11.5% 6.9% 114,365,833 13.2% 9,479,588 130,830,000 219,444,876 7.2% 4.3% 114,365,833 8.3% 6,660,119 90,950,000 208,083,728 7.3% 3.2% 92,730,000 7.2% 11,211,288 111,900,000 275,100,589 10.0% 4.1% 116,805,143 9.6% 8,593,406 135,530,000 330,315,818 6.3% 2.6% 111,393,750 7.7% / / / 2013 4 3 2 1 35. 2. 1. 1. -= 2. =++ 3. =()+()+()+()+() 2. 3 3. 4 (1, 2) 36. === . 1. 1. , . 2. . 3. , . 4. , . 5. 1. ( ), ( ), ( ) . 2. , .) 3. () () . 2. 1. . 2. , . 3. , . 4. . 5. 1. 3 // , . 2. . 3. , . (, , , , , ) 4. , . 3. 1. . 2. , . 37. 3. , , . 4. , . 5. 1. . 2. , , , , . 3. , , . 4. . 4. 1. , . 2. . 3. , . 4. . 5. 1. = . 2. . 3. , . 4. , . 5. === =. 38. Commune Bank BINGO : 010-3058-1968 () 010-3058-1958 2 19 1 bingo @ binzib.net http://www.binzib.net [email protected] https://www.facebook.com/bingobank : bingobank