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{"sheet":"표지","index":0,"n_rows":22,"n_cols":5,"rows_kept":22,"merged":[[2,0,2,7],[6,0,6,7],[9,0,9,7],[12,0,12,7],[18,2,18,3],[19,2,19,3]],"flags":["formulas_cached_only"]}
[]
[]
["산은캐피탈주식회사"]
[]
["  "]
[]
["여신전문금융업감독규정 제23조의 규정에 의한"]
["  "]
[]
["회  사  현  황"]
[]
["       "]
["제41기 상반기"]
["  "]
[]
[]
["  "]
[]
[null,null,"사업년도",null,"2011년 1월  1일부터"]
[null,null," ",null,"2011년 6월 30일까지"]
[]
["  "]

{"sheet":"영업규모","index":1,"n_rows":70,"n_cols":7,"rows_kept":70,"merged":[[4,0,4,6],[5,0,5,2],[5,3,5,4],[5,5,5,6],[15,0,15,2],[21,0,21,2],[22,0,22,2],[23,0,23,2],[24,0,24,2],[25,0,25,2],[33,0,33,5],[35,0,35,5],[45,0,45,1],[50,0,51,2],[50,3,50,4],[50,5,50,6],[52,1,52,2],[53,1,53,2],[54,1,54,2],[55,1,55,2],[58,0,58,1],[65,1,65,3],[65,4,65,6]],"flags":["formulas_cached_only"]}
["영업규모"]
[]
["I. 취급업무별 영업실적 (년간 취급액 기준)"]
[]
["(단위 : 억원, %)"]
["업종별",null,null,"FY2011 상반기",null,"FY2010"]
[{"$nulls":3},"금액","구성비","금액","구성비"]
["카드","신용판매","일시불",0,{"v":0,"d":"0.00%"},0,{"v":0,"d":"0.00%"}]
[null,null,"할부",0,{"v":0,"d":"0.00%"},0,{"v":0,"d":"0.00%"}]
[null,"현금대출","현금서비스",0,{"v":0,"d":"0.00%"},0,{"v":0,"d":"0.00%"}]
[null,null,"카드론",0,{"v":0,"d":"0.00%"},0,{"v":0,"d":"0.00%"}]
[null,"계",null,278,{"v":0.04869504291469609,"d":"4.87%"},650,{"v":0.08409884849268986,"d":"8.41%"}]
["리스","금융",null,946,{"v":0.16570327552986513,"d":"16.57%"},{"v":1697,"d":"1,697"},{"v":0.219562685987838,"d":"21.96%"}]
[null,"운용",null,36,{"v":0.006305832895428271,"d":"0.63%"},65,{"v":0.008409884849268986,"d":"0.84%"}]
[null,"계",null,982,{"v":0.1720091084252934,"d":"17.20%"},{"v":1762,"d":"1,762"},{"v":0.227972570837107,"d":"22.80%"}]
["할부금융",null,null,0,{"v":0,"d":"0.00%"},0,{"v":0,"d":"0.00%"}]
["신기술","회사분","투자",343,{"v":0.06008057453144158,"d":"6.01%"},175,{"v":0.02264199767110881,"d":"2.26%"}]
[null,null,"융자",0,{"v":0,"d":"0.00%"},331,{"v":0.04282572130935438,"d":"4.28%"}]
[null,"조합분","투자",102,{"v":0.01786652653704677,"d":"1.79%"},144,{"v":0.018631129512226677,"d":"1.86%"}]
[null,null,"융자",0,{"v":0,"d":"0.00%"},0,{"v":0,"d":"0.00%"}]
[null,"계",null,445,{"v":0.07794710106848836,"d":"7.79%"},650,{"v":0.08409884849268986,"d":"8.41%"}]
["CRC 등",null,null,{"v":1114,"d":"1,114"},{"v":0.1951304957085304,"d":"19.51%"},{"v":1195,"d":"1,195"},{"v":0.15461249838271446,"d":"15.46%"}]
["팩토링",null,null,248,{"v":0.04344018216850587,"d":"4.34%"},111,{"v":0.01436149566567473,"d":"1.44%"}]
["대출금",null,null,{"v":2642,"d":"2,642"},{"v":0.4627780697144859,"d":"46.28%"},{"v":3361,"d":"3,361"},{"v":0.4347557381291241,"d":"43.48%"}]
["기타 부수업무",null,null,0,{"v":0,"d":"0.00%"},0,{"v":0,"d":"0.00%"}]
["합계",null,null,{"v":5709,"d":"5,709"},{"v":1,"d":"100.00%"},{"v":7729,"d":"7,729"},{"v":1,"d":"100.00%"}]
["*카드, 단기대출은 평잔기준"]
[]
[]
[]
["II. 부문별 영업실적"]
[]
["1) 리스현황 (년간 취급액 기준)"]
[]
[]
["(단위 : 억원, %)"]
[null,null,"금액","구성비","금액","구성비"]
["물건별","국산",581,{"v":0.5916496945010183,"d":"59.16%"},940,{"v":0.5334846765039728,"d":"53.35%"}]
[null,"외산",401,{"v":0.40835030549898166,"d":"40.84%"},822,{"v":0.46651532349602726,"d":"46.65%"}]
["이용자별","공공기관",1,{"v":0.0010183299389002036,"d":"0.10%"},2,{"v":0.0011350737797956867,"d":"0.11%"}]
[null,"다른리스회사",0,{"v":0,"d":"0.00%"},85,{"v":0.048240635641316684,"d":"4.82%"}]
[null,"사업자(법인,개인)",953,{"v":0.9704684317718941,"d":"97.05%"},{"v":1594,"d":"1,594"},{"v":0.9046538024971623,"d":"90.47%"}]
[null,"기타",28,{"v":0.028513238289205704,"d":"2.85%"},81,{"v":0.04597048808172531,"d":"4.60%"}]
["업종별","제조업",175,{"v":0.17820773930753564,"d":"17.82%"},242,{"v":0.1373439273552781,"d":"13.73%"}]
[null,"비제조업",807,{"v":0.8217922606924644,"d":"82.18%"},{"v":1520,"d":"1,520"},{"v":0.8626560726447219,"d":"86.27%"}]
["합계",null,982,{"v":1,"d":"100.00%"},{"v":1762,"d":"1,762"},{"v":1,"d":"100.00%"}]
[]
[]
["2) 할부현황 (연간 취급액기준)"]
[{"$nulls":6},"(단위 : 억원, %)"]
["구분",null,null,"FY2011 상반기",null,"FY2010"]
[{"$nulls":3},"금액","구성비","금액","구성비"]
["내구재","자동차",null,0,{"v":0,"d":"0.00%"},0,{"v":0,"d":"0.00%"}]
[null,"가전제품",null,0,{"v":0,"d":"0.00%"},0,{"v":0,"d":"0.00%"}]
[null,"기타",null,0,{"v":0,"d":"0.00%"},0,{"v":0,"d":"0.00%"}]
[null,"소계",null,0,{"v":0,"d":"0.00%"},0,{"v":0,"d":"0.00%"}]
["주택",null,null,0,{"v":0,"d":"0.00%"},0,{"v":0,"d":"0.00%"}]
["기계류",null,null,0,{"v":0,"d":"0.00%"},0,{"v":0,"d":"0.00%"}]
["합계",null,null,0,{"v":0,"d":"0.00%"},0,{"v":0,"d":"0.00%"}]
[]
[]
["3) 신기술금융현황"]
[]
[" - 업종별 투자 및 융자현황 (실행액 기준) "]
[{"$nulls":6},"(단위 : 억원)"]
["구분","FY2011 상반기",null,null,"FY2010"]
[null,"회사분","조합분","합계","회사분","조합분","합계"]
["투자금액",{"v":342.9999218,"d":"343"},{"v":102.49775,"d":"102"},{"v":445.4976718,"d":"445"},175,144,319]
["신기술금융대출금",0,0,0,331,0,331]
["합계",{"v":342.9999218,"d":"343"},{"v":102.49775,"d":"102"},{"v":445.4976718,"d":"445"},506,144,650]

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["주요 경영지표 현황"]
[]
[{"$nulls":4},"(단위 : 백만원)"]
[{"$nulls":3},"전분기","당분기"]
["자본의 적정성","조정자기 자본비율","조정자기자본계",{"v":363394.03754,"d":"363,394"},{"v":390163.01828500006,"d":"390,163"}]
[null,null,"조정총자산계",{"v":2284632.396159,"d":"2,284,632"},{"v":2371423.495265,"d":"2,371,423"}]
[null,null,"조정자기자본비율",{"v":15.906017885019494,"d":"15.91"},{"v":16.45269261538629,"d":"16.45"}]
[null,"단순자기 자본비율","납입자본금",{"v":310877.33,"d":"310,877"},{"v":310877.33,"d":"310,877"}]
[null,null,"자본잉여금",0,0]
[null,null,"이익잉여금",{"v":30781.63313797545,"d":"30,782"},{"v":51934.201153,"d":"51,934"}]
[null,null,"가감후 이익잉여금",{"v":30781.63313797545,"d":"30,782"},{"v":51934.201153,"d":"51,934"}]
[null,null,"기타포괄손익누계액",{"v":24539.660191,"d":"24,540"},{"v":26151.964586,"d":"26,152"}]
[null,null,"가감후 기타포괄손익누계액",{"v":24539.660191,"d":"24,540"},{"v":26151.964586,"d":"26,152"}]
[null,null,"대출채권등의누적미실현평가손익(-)",{"v":3853,"d":"3,853"},{"v":6203,"d":"6,203"}]
[null,null,"자기자본계",{"v":366198.62332897546,"d":"366,199"},{"v":388963.49573900003,"d":"388,963"}]
[null,null,"총자산",{"v":2600842.4819479757,"d":"2,600,842"},{"v":2684656.472719,"d":"2,684,656"}]
[null,null,"가감후 총자산",{"v":2596989.4819479757,"d":"2,596,989"},{"v":2678453.472719,"d":"2,678,453"}]
[null,null,"대출채권등의누적미실현평가손익(-)",{"v":3853,"d":"3,853"},{"v":6203,"d":"6,203"}]
[null,null,"단순자기자본비율",{"v":14.100889736923136,"d":"14.10"},{"v":14.521943341586157,"d":"14.52"}]
["자산의 건전성","손실위험도 가중 부실채권 비율","가중부실채권등",{"v":103856.45,"d":"103,856"},{"v":76288.2,"d":"76,288"}]
[null,null,"총채권등",{"v":1971444,"d":"1,971,444"},{"v":1992881,"d":"1,992,881"}]
[null,null,"손실위험도가중부실채권 비율",{"v":5.268039568965692,"d":"5.27"},{"v":3.828035893763852,"d":"3.83"}]
[null,"고정이하 채권비율","고 정",{"v":118644,"d":"118,644"},{"v":113651,"d":"113,651"}]
[null,null,"회 수 의 문",{"v":59807,"d":"59,807"},{"v":41408,"d":"41,408"}]
[null,null,"추 정 손 실",{"v":35279,"d":"35,279"},{"v":22502,"d":"22,502"}]
[null,null,"고정이하채권계",{"v":213730,"d":"213,730"},{"v":177561,"d":"177,561"}]
[null,null,"총채권등",{"v":1971444,"d":"1,971,444"},{"v":1992881,"d":"1,992,881"}]
[null,null,"고정이하채권비율",{"v":10.84129196670055,"d":"10.84"},{"v":8.909764306047375,"d":"8.91"}]
[null,"연체채권비율","연체채권액",{"v":123320,"d":"123,320"},{"v":135461,"d":"135,461"}]
[null,null,"총채권액",{"v":1971444,"d":"1,971,444"},{"v":1992881,"d":"1,992,881"}]
[null,null,"연체채권비율",{"v":6.255313364214252,"d":"6.26"},{"v":6.797244792840114,"d":"6.80"}]
[null,"대주주에 대한 신용공여비율","대주주 신용공여액",938,684]
[null,null,"자기자본계",{"v":342494,"d":"342,494"},{"v":366199,"d":"366,199"}]
[null,null,"대주주에 대한 신용공여비율",{"v":0.2738734109210672,"d":"0.27"},{"v":0.18678368865016015,"d":"0.19"}]
[null,"대손충당금 적립비율","대손충당금 잔액(대손준비금 포함)",{"v":166009,"d":"166,009"},{"v":162087,"d":"162,087"}]
[null,null,"대손충당금 최소의무적립액",{"v":118797,"d":"118,797"},{"v":93745,"d":"93,745"}]
[null,null,"대손충당금적립비율",{"v":139.74174432014277,"d":"139.74"},{"v":172.90202144114352,"d":"172.90"}]
["수익성","총자산이익률","당기순이익",{"v":-114567.90826502453,"d":"-114,568"},{"v":-53912.34024999998,"d":"-53,912"}]
[null,null,"가감후 당기순이익",{"v":-114567.90826502453,"d":"-114,568"},{"v":-53912.34024999998,"d":"-53,912"}]
[null,null,"대손준비금 전입액(-)",0,0]
[null,null,"총자산평잔",{"v":2797920.4769662437,"d":"2,797,920"},{"v":2708207.123543139,"d":"2,708,207"}]
[null,null,"가감후 총자산평잔",{"v":2794067.4769662437,"d":"2,794,067"},{"v":2702004.123543139,"d":"2,702,004"}]
[null,null,"대출채권 등의 누적미실현평가손익잔액(-)",{"v":3853,"d":"3,853"},{"v":6203,"d":"6,203"}]
[null,null,"총자산이익률",{"v":-4.1003987630757095,"d":"-4.10"},{"v":-1.9952723158432752,"d":"-2.00"}]
[null,"자기자본이익률","당기순이익",{"v":-114567.90826502453,"d":"-114,568"},{"v":-53912.34024999998,"d":"-53,912"}]
[null,null,"가감후 당기순이익",{"v":-114567.90826502453,"d":"-114,568"},{"v":-53912.34024999998,"d":"-53,912"}]
[null,null,"자기자본계",{"v":349346,"d":"349,346"},{"v":352674.86892156786,"d":"352,675"}]
[null,null,"자기자본이익률",{"v":-32.79496781558241,"d":"-33"},{"v":-15.286697465815083,"d":"-15"}]
[null,"총자산경비율","총경비",{"v":23786.140558,"d":"23,786"},{"v":22982.264440000006,"d":"22,982"}]
[null,null,"총자산평잔",{"v":2324684.770297568,"d":"2,324,685"},{"v":2708207.123543139,"d":"2,708,207"}]
[null,null,"가감후 총자산평잔",{"v":2320831.770297568,"d":"2,320,832"},{"v":2702004.123543139,"d":"2,702,004"}]
[null,null,"대손준비금(-)",0,0]
[null,null,"대출채권 등의 누적미실현평가손익잔액(-)",{"v":3853,"d":"3,853"},{"v":6203,"d":"6,203"}]
[null,null,"총자산경비율",{"v":1.0248972313469422,"d":"1.02"},{"v":0.8505636331103504,"d":"0.85"}]
[null,"수지비율","연간 세전비용",{"v":486944.487483,"d":"486,944"},{"v":387978.81854699994,"d":"387,979"}]
[null,null,"가감후 연간 세전비용",{"v":486944.487483,"d":"486,944"},{"v":387978.81854699994,"d":"387,979"}]
[null,null,"연간 세전수익",{"v":367873.133561,"d":"367,873"},{"v":332547.33131700003,"d":"332,547"}]
[null,null,"가감후 연간 세전수익",{"v":367873.133561,"d":"367,873"},{"v":332547.33131700003,"d":"332,547"}]
[null,null,"수지비율",{"v":132.36750473441566,"d":"132.37"},{"v":116.66875118512377,"d":"116.67"}]

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[" 연체채권현황"]
[]
[]
["                                 (단위: 백만원)"]
["구     분",null,null,"FY 2011 상반기말 연체채권"]
[{"$nulls":3},"대차대조표 자산"]
[{"$nulls":3},"연체채권액","총채권액","연체채권비율"]
["카드자산","일시불카드대급금",null,{"v":2194,"d":"2,194"},{"v":52549,"d":"52,549"},{"v":0.04175150811623437,"d":"4.18%"}]
[null,"할부카드대급금"]
[null,"기타 카드대급금"]
[null,"현금서비스"]
[null,"카드론"]
[null,"소계",null,{"v":2194,"d":"2,194"},{"v":52549,"d":"52,549"},{"v":0.04175150811623437,"d":"4.18%"}]
["할부금융자산","내구재할부금융"]
[null,"주택할부금융"]
[null,"기계할부금융"]
[null,"기타할부금융"]
[null,"소계",null,0,0]
["리스자산","운용리스",null,65,{"v":18125,"d":"18,125"},{"v":0.003586206896551724,"d":"0.36%"}]
[null,"금융리스",null,{"v":30454,"d":"30,454"},{"v":906201,"d":"906,201"},{"v":0.03360623084724029,"d":"3.36%"}]
[null,"해지리스"]
[null,"선급리스",null,0,{"v":4744,"d":"4,744"},{"v":0,"d":"0.00%"}]
[null,"렌탈자산"]
[null,"관련 미수금"]
[null,"소계",null,{"v":30519,"d":"30,519"},{"v":929070,"d":"929,070"},{"v":0.032848978010268336,"d":"3.28%"}]
["여신성 \n신기술자산","신기술대출금",null,0,0,{"v":0,"d":"0.00%"}]
["여신성\n금융자산","콜론",null,0,0]
[null,"할인어음",null,0,0]
[null,"팩토링",null,{"v":22074,"d":"22,074"},{"v":213698,"d":"213,698"},{"v":0.10329530458871866,"d":"10.33%"}]
[null,"장단기대출금",null,{"v":71493,"d":"71,493"},{"v":705473,"d":"705,473"},{"v":0.10134051905600923,"d":"10.13%"}]
[null,"가계대출금",null,0,0,{"v":0,"d":"0.00%"}]
[null,"기타 대출채권",null,{"v":9315,"d":"9,315"},{"v":89288,"d":"89,288"},{"v":0.10432532927157065,"d":"10.43%"}]
[null,"지급보증대지급금",null,0,0]
[null,"종업원대여금",null,0,0]
[null,"지급보증"]
[null,"여신성가지급금",null,662,{"v":1751,"d":"1,751"},{"v":0.37806967447173045,"d":"37.81%"}]
[null,"여신성미수금",null,17,{"v":1052,"d":"1,052"},{"v":0.016159695817490494,"d":"1.62%"}]
[null,"기타 여신성 금융자산"]
[null,"소계",null,{"v":103561,"d":"103,561"},{"v":1011262,"d":"1,011,262"},{"v":0.10240768465541077,"d":"10.24%"}]
["여신성채권의 합계",null,null,{"v":136274,"d":"136,274"},{"v":1992881,"d":"1,992,881"},{"v":0.06838040003392074,"d":"6.84%"}]
["기타자산","기타 가지급금"]
[null,"기타 미수금"]
[null,"기타"]
[null,"소계"]
["총채권 등*",null,null,{"v":136274,"d":"136,274"},{"v":1992881,"d":"1,992,881"},{"v":0.06838040003392074,"d":"6.84%"}]

{"sheet":"재무제표","index":4,"n_rows":28,"n_cols":7,"rows_kept":28,"flags":["formulas_cached_only"]}
[" 요약 재무제표"]
[]
["1) 대차대조표"]
[null,null,"(단위 : 억원)"]
["구 분","FY2011 상반기","FY2010"]
["자산총계",{"v":26846,"d":"26,846"},{"v":30267,"d":"30,267"}]
["Ⅰ.현금및예치금",{"v":2755,"d":"2,755"},{"v":5415,"d":"5,415"}]
["Ⅱ.유가증권",{"v":3249,"d":"3,249"},{"v":3060,"d":"3,060"}]
["Ⅲ.대출채권",{"v":9127,"d":"9,127"},{"v":7399,"d":"7,399"}]
["Ⅳ.카드자산",497,731]
["Ⅴ.리스자산",{"v":8671,"d":"8,671"},{"v":9755,"d":"9,755"}]
["Ⅵ.신기술금융자산",{"v":1702,"d":"1,702"},{"v":2613,"d":"2,613"}]
["Ⅶ.유형자산",20,20]
["Ⅷ.기타자산",825,{"v":1274,"d":"1,274"},{"$nulls":3}," "]
["부채",{"v":22957,"d":"22,957"},{"v":26774,"d":"26,774"}]
["Ⅰ.차입금",{"v":21472,"d":"21,472"},{"v":25161,"d":"25,161"}]
["II. 기타부채",{"v":1485,"d":"1,485"},{"v":1613,"d":"1,613"},{"$nulls":3}," "]
["자본",{"v":3889,"d":"3,889"},{"v":3493,"d":"3,493"}]
["부채 및 자본총계",{"v":26846,"d":"26,846"},{"v":30267,"d":"30,267"}]
[]
["2) 손익계산서"]
[null,null,"(단위 : 억원)"]
["구 분","FY2011 상반기","FY2010"]
["Ⅰ.영업수익",{"v":1843,"d":"1,843"},{"v":2360,"d":"2,360"}]
["Ⅱ.영업비용",{"v":1146,"d":"1,146"},{"v":4167,"d":"4,167"}]
["Ⅲ.영업이익",697,{"v":-1807,"d":"-1,807"}]
["Ⅳ.법인세차감전순이익",697,{"v":-1810,"d":"-1,810"}]
["Ⅴ.당기순이익(손실)",693,{"v":-1658,"d":"-1,658"}]

{"sheet":"합작법인경영실적","index":5,"n_rows":7,"n_cols":7,"rows_kept":7,"merged":[[3,0,4,0],[3,1,3,2],[3,3,3,4],[3,5,4,5],[3,6,4,6]],"flags":["formulas_cached_only"]}
["해외합작법인 경영실적"]
[]
[{"$nulls":6},"(단위 : 현지통화)"]
["법인명","재무상황",null,"손익상황",null,"결산기준일","비고"]
[null,"총자산","자기자본(자본금)","영업수익","당기순이익"]
["VILC",{"v":541850,"d":"541,850"},"190,145(150,000)",{"v":62520,"d":"62,520"},{"v":16480,"d":"16,480"},"2010. 12. 31","단위 : VND백만"]
["MILC",{"v":49403,"d":"49,403"},"36,957(50,000)",354,{"v":-3274,"d":"-3,274"},"2010. 12. 31","단위 : Baht천"]