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KBXTVH +"846( 1BTUBOEIFSFBGUFS +"846(-FBEFS 5PTIJZVLJ,POQBSV

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KBXTVHBXTLSVH 4PSSZGPSNZCSPLFO&OHMJTI 2

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KBXTVHBXTLSVH 5PTIJZVLJ,POQBSV 3 $IJFG*OOPWBUJPO0GGJDFS PG3JOTUJUVUF-UE +"846(-FBEFS 'BWPSJUF"844FSWJDF"84-BNCEB IUUQTXXXGBDFCPPLDPNULPOQBSV

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KBXTVHBXTLSVH 3JOTUJUVUF-UE 4 *OGSBTUSVDUVSF 4FSWFSTPGUXBSF "QQMJDBUJPO %FWFMPQNFOU #VTJOFTT%FTJHO 4ZTUFN%FTJHO 8FBSF$MPVE4ZTUFN*OUFHSBUPS &TUBCMJTIFEJO 8FPGUFOVTF"84 BOELJOUPOF

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KBXTVHBXTLSVH LJOUPOF 5

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KBXTVHBXTLSVH LJOUPOF 6 zLJOUPOFzJTBGBTUTZTUFN EFWFMPQNFOUQMBUGPSNPODZCP[VDPN DMPVE OPUPO"84 :PVDBOEFWFMPQ8FC%BUBCBTF 4ZTUFNXJUIPVUDPEFJOZPVSCSPXTFS LJOUPOFIBT3&45"1*T :PVDBOJOUFHSBUFPUIFSTZTUFNT 8FPGGUFOJOUFHSBUF"84BOELJOUPOF

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KBXTVHBXTLSVH %FNP 7

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KBXTVHBXTLSVH *OUFHSBUJPOXJUI"84 8 'SPOUFOEBSF IPTUFEPO"84 #BDLFOEBSF IPTUFEPO LJOUPOF *OUFHSBUFEPUIFS DMPVETFSWJDFT

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KBXTVHBXTLSVH 5SZLJOUPOFPOLJOUPOFDPN 9

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KBXTVHBXTLSVH +"846( 1BTUBOEIFSFBGUFS 3FDBQPG+"84%":4 LFZOPUF 10 5PEBZ`TTUPSZ

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KBXTVHBXTLSVH +"84%":4 11 1SFSFHJTUSBOUTPWFS "UUFOEFFTPWFS +"84%":4JTPOFPGUIF CJHHFTUDPNNVOJUZCBTFE FWFOUJO+BQBO "MPUPGUFDIOFXTTJUFXSPUF VQUIJTFWFOU

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KBXTVHBXTLSVH 2VFTUJPO %PZPVLOPXIPXNBOZQFPQMFXPSLFE BTWPMVOUFFSGPS+"84%":4 12

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KBXTVHBXTLSVH 8IZTPNBOZQFPQMF XPSLFEGPS+"846( BTWPMVOUFFST )PXJNQPSUBOUJTDPOUSJCVUJOHUPB DPNNVOJUZGPSFOHJOFFST 13

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KBXTVHBXTLSVH 5IFNF 1BTUPG+"846( 5IFNF 8IZ$PNNVOJUZ 5IFNF )FSFBGUFSPG"84,36( +"846( 14

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KBXTVHBXTLSVH 5IFNF 1BTUPG+"846( 15

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KBXTVHBXTLSVH )JTUPSZPG+"846( 16 &TUBCMJTIFEJO 4NBMMNFFUJOHTXFSFIFMEJO

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KBXTVHBXTLSVH $VSSFOU+"846( 17 NPSFUIBOCSBODIFT Local branches Specialized branches

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KBXTVHBXTLSVH 5BLFBMPPLCBDL POCJHFWFOUTPG+"846( 18

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KBXTVHBXTLSVH +"84'&45",BOTBJ 19 "UUFOEFFTPWFS 5IFGJSTUCJHFWFOUPG+"846(UIBU XBTQMBOOFECZ+"846(DPOUSJCVUPST 4JUFNBOFHNFOU $POUFOUT

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KBXTVHBXTLSVH +"84'&45",BOTBJ 20

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KBXTVHBXTLSVH +"84%":4 21 1SFSFHJTUSBOUTPWFS "UUFOEFFTPWFS 5IFGJSTU+"84%":4

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KBXTVHBXTLSVH +"84%":4 22

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KBXTVHBXTLSVH +"84'&45"5PIPLV 23 1SFSFHJTUSBOUT PWFS "UUFOEFFTPWFS 0OFPGUIFCJHHFTU DPNNVOJUZFWFOUJO5PIPLV BSFB

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KBXTVHBXTLSVH +"84'&45"5PIPLV 24

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KBXTVHBXTLSVH +"84%":4 25 1SFSFHJTUSBOU PWFS "UUFOEFFTPWFS 5IFWFOVFXBT5PLZP #VUBMNPTUBMMPGQMBOOJOH DPNNJUUFFNFNCFSTXFSF OPUSFTJEFOUPG5PLZP "MNPTUBMMQMBOOJOHUBTLT XFSFEPOFPOSFNPUF

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KBXTVHBXTLSVH +"84%":4 26

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KBXTVHBXTLSVH +"84SF.PUF 27 QMBDFTXFSFDPOOFDUFECZUIF OFUDPOGFSFODFTZTUFN &BDIQMBDFIBEBQSFTFOUFS 8BUDIFEQSFTFOUBUJPOPOUIFOFU DPOGFSFODFTZTUFN "UUFOEFFTDPNNVOJDBUFEUIFJS NFTTBHFTPO5XJUUFS

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KBXTVHBXTLSVH +"84'&45",ZVTIV 28 1SFSFHJTUSBOUT PWFS "UUFOEFFT PWFS

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KBXTVHBXTLSVH +"84'&45",ZVTIV 29

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KBXTVHBXTLSVH $VSSFOUQPTJUJPOPG+"846( 30 NBZCFIFSF

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KBXTVHBXTLSVH 5IFNF 8IZ$PNNVOJUZ 31

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KBXTVHBXTLSVH 5IFJNQBDUPGUIF$MPVE 32 8BTUIBUMJLFUIJT

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KBXTVHBXTLSVH 8IFOZPVBUUFOEUIFDPNNVOJUZ 33 :PVDBOHFUTJEFLJDLT

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KBXTVHBXTLSVH 8IFOZPVCFDBNFBQSFTFOUFS 34 :PVDBOHFUNPSFTJEFLJDLT

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KBXTVHBXTLSVH 8IFOZPVDPOUJOVFDPOUSJCVUJOHUP UIFDPNNVOJUZ 35 :PVDBOHFUTMJELJDLTJONBOZ QBSUTPGUIFDPVOUSZ

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KBXTVHBXTLSVH 5IFDPNNVOJUZDIBOHFZPVSMJGF 36

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KBXTVHBXTLSVH &YBNQMFT 37 5IFTF+"846(NFNCFSTHPUCFUUFSKPC

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KBXTVHBXTLSVH "OPSNBMZFYBNQMF 38 5IFZIBWFHPUUFONBSSJFECZ BUUFOEJOHUIF+"846( 8FDBMMUIJTl$MPVE.BSSJBHFz :PVNBZCFBCMFUPNBSSZCZ DPOUSJCVUJOHUPBDPNNVOJUZ

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KBXTVHBXTLSVH 8IZTIPVMEXFQBSUJDJQBUF 39 l#FDBVTFUIFDMPVESFMBUFEUFDIOPMPHJFTBSF EJWFST *UJTEJGGJDVMUUPTUVEZBMPOF l#ZDPNNVOJDBUJOHQFPQMFPVUTJEFZPVS DPNQBOZZPVDBOSFDPHOJ[FZPVDVSSFOU MFWFMBOEGJOEZPVSHPBM l4JNQMZGVO MJLFOPX

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KBXTVHBXTLSVH 5IFNF )FSFBGUFSPG "84,36(+"846( 40

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KBXTVHBXTLSVH "84,36(+"846( 41 l+"846(JTUIFNPTUTVDDFTTGVM"84 VTFSTHSPVQJOUIFXPSME l4VDDFTTPG"84,36(EFQFOETPO:06 l:PVDBOCFDBNFBQSFTFOUFSPSBDPSF NFNCFS

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KBXTVHBXTLSVH *GZPV IBWFBOZJEFB UPDPOUSJCVUFUP"84,36( ZPV DBOEPJUOPX 42

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KBXTVHBXTLSVH :PVSDPOUSJCVUJPOUPUIF DPNNVOJUZJTUIFNPTUJNQPSUBOU UIJOHUPTVDFTTUIFDPNNVOJUZ 43

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KBXTVHBXTLSVH "OZDPOUSJCVUJPOBSFXFMDPNF "UUFOE #FDBNJOHBQSFTFOUFS +PJOJOHBDPSFNFNCFS #FDBNJOHBTQPOTPS 1SPWJEJOHBQMBDFUPIBWFBFWFOU "OZUIJOHJT0, 1MFBTFDPOUSJCVUFBTZPV DBO 44

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KBXTVHBXTLSVH %PZPV BMSFBEZDPOUSJCVUF :PV DBOJOWPMWFPUIFSTUP DPOUSJCVUF"84,36( 45

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KBXTVHBXTLSVH .PWF6QUIF/FYU"84,36( CZ:06 46

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KBXTVHBXTLSVH 감사합니다 47