3) 향후 2년간의 가용자본규모 예상- 리스크기준 자본비율의 분

3) 향후 2년간의 가용자본규모 예상
- 리스크기준 자본비율의 분자의 구성요소인 가용자본은 자본금, 자본잉여금 및
이익잉여금 그 밖에 이에 준하는 합계액에 영업권 그 밖에 이에 준하는 합계액을
차감한 것임.
※ 합산항목 : 자본금, 자본잉여금, 이익잉여금, 자본조정, 기타포괄손익누계액,
자산건전성 분류결과 “정상” 및 “요주의” 로 분류된 자산에 대하여
적립된 대손충당금, 비상위험준비금
차감항목 : 영업권, 특허권, 이연법인세자산, 지급이 예정된 현금배당액

- 향후 2년간 조합의 자본금 및 자본잉여금의 규모는 변동이 없을 것으로
예상되며, 이는 신규조합원에게 발행되는 출자증권은 증자가 아닌 자기주식
재발행으로 이루어질 것으로 추정됨에 기인함.

- 따라서, 가용자본의 규모는 이익잉여금의 구성요소인 당기순이익의 규모와
기타포괄손익누계액의 구성요소인 매도가능증권 평가손익의 규모에 의해서
결정됨.

- 향후 2년간 조합의 당기순이익은 40~50억 수준으로 2014년과 비슷한 수준일 것이며, 매도가능증권 평가손익 규모는 투자환경에 따라 다소 변동이 예상되나
저금리기조와 같은 다소 밝지 않은 투자환경에 따라 2014년과 비슷하거나
다소 감소할 것으로 예상되어, 향후 2년간 가용자본의 규모는 2014년과
비슷한 수준일 것으로 예상됨.

- 향후 리스크기준 자본비율은 가용자본규모는 비슷할 것으로 예상되는 반면,
총리스크량은 위험투자 증대에 따른 리스크량의 증가로 2014년 대비 다소
감소할 것으로 예상되며, 유동성비율 역시 예금투자비중의 축소 및
장기채권형상품 투자비중 증대로 유동성비율의 감소가 예상되나, 공제조합
감독기준에서 정하고 있는 기준비율(100%) 대비 충분한 여력이 있음.

결과 (영어) 1:

3) available capital over the next two years is expected to scale-Risk-based capital ratio of molecules, a component of the available capital is capital, capital surplus and Retained earnings that only a similar sum in the total fees for the goodwill that a similar Contra. * Total topics: capital, capital surplus, earned surplus, capital adjustments, other comprehensive income, Asset quality is the result of a "normal" and "critical" classification is classified as assets against Accumulated allowance for doubtful accounts, emergency risk reservesDeduct: deferred tax assets, goodwill, patents, paid scheduled cash dividend-Over the next two years, a combination of capital and additional paid-in capital will be the magnitude of the fluctuations The expected new investment in securities that are issued to Union is increased non-treasury stock Reissued as the presumed to consist of attributed.-Thus, the size of available capital, retained earnings, a component of net income and It is possible to sell a component of other comprehensive income securities rating on a scale of profit and loss by Determined.-Net profit of the Union over the next two years is 40-50 billion level, similar to the level in 2014, and it is possible to sell securities evaluation profit and loss is the size of the investment is expected to be unchanged or somewhat based on the environment. Some, such as low investment, low interest keynote depending on the environment in 2014 and similar Rather, they have been expected to decline over the next two years, and the scale of capital — not available Expected to a similar level.Based on the ratio of capital available for future risk capital scale – is expected to be similar, whereas the The amount of the total risk increases with the increase of amount of risk of investment risk in 2014 compared to the somewhat Is expected to decrease, the liquidity ratio was also reduced and of the investment deposit To increase the liquidity of the goods of long-term bond investment rate is expected to decrease, or credit union Directed by devising standards in percentage (100%) In contrast could afford enough.

결과 (영어) 2:

3) the expected size of the available capital over the next two years
- a component of the available risk capital in the numerator of the capital ratio based on capital, capital surplus and
retained earnings equivalent to the total amount of goodwill that only a net total equivalent thereto else
. Will you deduct
sums ※ Topic: capital, capital surplus, retained earnings, capital adjustment, in accumulated other comprehensive income,
asset quality classification "normal" and "precautionary" to respect the classified assets
Allowance for doubtful accounts credited, catastrophe reserve
deductions: Goodwill, patents, Deferred tax assets, cash dividend payments are scheduled - the scale of capital and capital surplus over the next two years is that there is no variation combination is expected, equity securities, which are issued to new members will own shares rather than increase due to take place in the reissue As estimated also. Therefore, the size of the available capital and the scale of net income, a component of retained earnings by the size of the components of gains and losses on available-for-sale securities in accumulated other comprehensive income . determined - is combined net income of the next two years 40 ~ 5 billion will be similar to the 2014 level, available-for-sale securities valuation in accordance with the scale of the investment environment is expected to change somewhat, but similar to 2014 in accordance with the investment without some bright environments, such as low interest rates or expected to decrease slightly the future size of the two years 2014 and available capital are expected to be similar. - Future risk based on capital ratio is expected to be similar, while the available capital scale, the total risk amount of the increase in risk-increasing amount of the investment risk somewhat compared to 2014 is expected to decline, liquidity ratio deposits also reduced the proportion of investment and reduce the long-term bond investment goods increased share liquidity ratio is expected but, cooperative association benchmark rate (100%) compared with standards established by the Director enough This may afford.

결과 (영어) 3:

3) of available capital over the next two years are expected to scale back to top
- Risk based on capital adequacy ratio of the molecules are components of disposable capital capital, capital surplus and top
earned surplus and in accordance with the total amount of goodwill and in accordance with the total amount of a balanced back to top
pp. Top
* possessing items: capital, Capital Surplus, earned surplus, capital adjustment, and other inclusive total amount of profit and loss, top
asset quality classification results "normal" and "Heterosexual" assets classified as the top
accrued reserve emergency reserve risk back to top
deducted items: goodwill,patents, corporate assets, scheduled payments, cash dividends ㅜ - Over the next two years, the size of the surplus capital and capital it would be the same as the top
expected to be new union members to the published his non-capital investment & Securities stocks top
reissued as will be assumed to be caused by. Top
top
- thus, the amount of capital available, which are components of the net profit of the surplus income scale and top
other inclusive total amount of profit and loss, which are components of profit by selling Securities within the scale of the decision by identification. back to top
back to top
back to top
- the next two years, the net income for the 40 - 5 a level similar to the level in 2014, and profit and loss of stock selling within the scale of the investment climate change slightly depending on the low interest rates are expected to be back to top
I like a bit of light in the environment based on the same or 2014 back to top
somewhat expected to decrease over the next two years, the size of the capital available for 2014, and a similar level back to top
expected. back to top
back to top
- future risk based on the capital adequacy ratio of the available capital is similar to what is expected to be the top
The total amount of risk investment risk due to an increase in the amount of risk for 2014 back to top
will decrease somewhat is expected to deposit investments, liquidity ratio of the collapse and top
long-term bond investments products to an increase of the percentage of liquidity, which is expected to decrease in a cooperative based on the coach back to top
the standard rate (100 percent) enough to afford. back to top