{"id":38146,"date":"2026-01-12T09:29:10","date_gmt":"2026-01-12T14:29:10","guid":{"rendered":"https:\/\/koreatimesphila.com\/?p=38146"},"modified":"2026-01-12T09:29:12","modified_gmt":"2026-01-12T14:29:12","slug":"%ec%9e%91%eb%85%84-%ed%95%9c%ea%b5%ad%ec%9d%98-1%ec%9d%b8%eb%8b%b9-gdp-3%eb%a7%8c6%ec%b2%9c%eb%8b%ac%eb%9f%ac-%ed%84%b1%ea%b1%b8%ec%9d%b4%ed%95%9c-%eb%93%af3%eb%85%84-%eb%a7%8c%ec%97%90","status":"publish","type":"post","link":"https:\/\/koreatimesphila.com\/en\/%ec%9e%91%eb%85%84-%ed%95%9c%ea%b5%ad%ec%9d%98-1%ec%9d%b8%eb%8b%b9-gdp-3%eb%a7%8c6%ec%b2%9c%eb%8b%ac%eb%9f%ac-%ed%84%b1%ea%b1%b8%ec%9d%b4%ed%95%9c-%eb%93%af3%eb%85%84-%eb%a7%8c%ec%97%90\/","title":{"rendered":"\uc791\ub144 \ud55c\uad6d\uc758 1\uc778\ub2f9 GDP 3\ub9cc6\ucc9c\ub2ec\ub7ec \ud131\uac78\uc774\ud55c \ub4ef\u20263\ub144 \ub9cc\uc5d0 \ub4b7\uac78\uc74c"},"content":{"rendered":"\n<p>\u25b6 \uace0\ud658\uc728\u00b7\uc800\uc131\uc7a5\uc5d0 \ucd1d GDP 0.5% \uac10\uc18c\ud55c 1\uc8708\ucc9c662\uc5b5\ub2ec\ub7ec<\/p>\n\n\n\n<p>\u25b6 \ub300\ub9cc\uc740 \uc791\ub144 3\ub9cc8\ucc9c748\ub2ec\ub7ec\ub85c 22\ub144 \ub9cc\uc5d0 \ud55c\uad6d \ucd94\uc6d4<\/p>\n\n\n\n<p><img data-recalc-dims=\"1\" decoding=\"async\" alt=\"\uc791\ub144 \ud55c\uad6d\uc758 1\uc778\ub2f9 GDP 3\ub9cc6\ucc9c\ub2ec\ub7ec \ud131\uac78\uc774\ud55c \ub4ef\u20263\ub144 \ub9cc\uc5d0 \ub4b7\uac78\uc74c\" src=\"https:\/\/i0.wp.com\/image.koreatimes.com\/article\/2026\/01\/10\/20260110180302691.jpg?w=640\"><\/p>\n\n\n\n<p>\ud55c\uad6d 1\uc778\ub2f9 GDP 3\ub144 \ub9cc\uc5d0 \ub4b7\uac78\uc74c [\uc5f0\ud569\ub274\uc2a4]\n\n\n\n<p>\uc9c0\ub09c\ud574 \ud55c\uad6d\uc758 1\uc778\ub2f9 \uad6d\ub0b4\ucd1d\uc0dd\uc0b0(GDP)\uc774 3\ub144 \ub9cc\uc5d0 \uac10\uc18c\ud558\uba70 3\ub9cc6\ucc9c\ub2ec\ub7ec\ub300\ub97c \uaca8\uc6b0 \uc720\uc9c0\ud55c \uac83\uc73c\ub85c \ucd94\uc0b0\ub41c\ub2e4.<\/p>\n\n\n\n<p>\uc815\ubd80\uc758 \uc9c0\ub09c 9\uc77c \ucd5c\uc2e0 \uc804\ub9dd\uc744 \ubc18\uc601\ud55c \ucd94\uc0b0\uc73c\ub85c, \uc800\uc131\uc7a5\uacfc \uace0\ud658\uc728\uc5d0 \ud6c4\ud1f4\ud55c \uac83\uc73c\ub85c \ubd84\uc11d\ub41c\ub2e4.<\/p>\n\n\n\n<p>\ubc18\ub3c4\uccb4\ub97c \uc911\uc2ec\uc73c\ub85c \uae09\uc131\uc7a5\ud558\ub294 \ub300\ub9cc\uc740 \uc9c0\ub09c\ud574 22\ub144 \ub9cc\uc5d0 \ud55c\uad6d\uc744 \ucd94\uc6d4\ud574 \uc62c\ud574 4\ub9cc\ub2ec\ub7ec \ub3cc\ud30c\uac00 \uc0ac\uc2e4\uc0c1 \ud655\uc2e4\uc2dc \ub41c\ub2e4.<\/p>\n\n\n\n<p><a href=\"http:\/\/service.koreatimes.com\/lib\/banner_action.php?&amp;banner_id=T1&amp;banner_ad_id=701251&amp;banner_url=https:\/\/tvhankook.com\/watch\/t\/636c810fec93305e155039ac\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/img.koreatimes.com\/pdf\/2026_dongbang_landing.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.hansolfinancial.com\/\"><\/a><a href=\"https:\/\/youtu.be\/uQbSogwAw68\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"http:\/\/service.koreatimes.com\/lib\/banner_action.php?&amp;banner_id=T1&amp;banner_ad_id=1215252&amp;banner_url=https:\/\/cuchenus.com\/products\/cje-cd0610us-6cup?utm_source=koreatimes&amp;utm_medium=web+article+banner&amp;utm_campaign=cuchenCD06\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"http:\/\/service.koreatimes.com\/lib\/banner_action.php?&amp;banner_id=T1&amp;banner_ad_id=1017252&amp;banner_url=https:\/\/merae.com\/collections\/ohtas-isan?utm_source=koreatimes&amp;utm_medium=web+article+banner&amp;utm_campaign=ohtas+isan\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"http:\/\/service.koreatimes.com\/lib\/banner_action.php?&amp;banner_id=T1&amp;banner_ad_id=808252&amp;banner_url=https:\/\/merae.com\/collections\/tiger?utm_source=koreatimes&amp;utm_medium=web+article+banner&amp;utm_campaign=tiger\"><\/a><a href=\"http:\/\/service.koreatimes.com\/lib\/banner_action.php?&amp;banner_id=T1&amp;banner_ad_id=701251&amp;banner_url=https:\/\/tvhankook.com\/watch\/t\/636c810fec93305e155039ac\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/img.koreatimes.com\/pdf\/2026_dongbang_landing.pdf\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"https:\/\/www.hansolfinancial.com\/\"><\/a><a href=\"https:\/\/youtu.be\/uQbSogwAw68\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"http:\/\/service.koreatimes.com\/lib\/banner_action.php?&amp;banner_id=T1&amp;banner_ad_id=1215252&amp;banner_url=https:\/\/cuchenus.com\/products\/cje-cd0610us-6cup?utm_source=koreatimes&amp;utm_medium=web+article+banner&amp;utm_campaign=cuchenCD06\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"http:\/\/service.koreatimes.com\/lib\/banner_action.php?&amp;banner_id=T1&amp;banner_ad_id=1017252&amp;banner_url=https:\/\/merae.com\/collections\/ohtas-isan?utm_source=koreatimes&amp;utm_medium=web+article+banner&amp;utm_campaign=ohtas+isan\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><a href=\"http:\/\/service.koreatimes.com\/lib\/banner_action.php?&amp;banner_id=T1&amp;banner_ad_id=808252&amp;banner_url=https:\/\/merae.com\/collections\/tiger?utm_source=koreatimes&amp;utm_medium=web+article+banner&amp;utm_campaign=tiger\"><\/a><a href=\"http:\/\/service.koreatimes.com\/lib\/banner_action.php?&amp;banner_id=T1&amp;banner_ad_id=701251&amp;banner_url=https:\/\/tvhankook.com\/watch\/t\/636c810fec93305e155039ac\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a><\/p>\n\n\n\n<p>\u25c7 \uc800\uc131\uc7a5\uc5d0 \uc5ed\ub300\uae09 \uace0\ud658\uc728 &#8216;\uc774\uc911\uace0&#8217;\u2026\ud658\uc728 \uadf8\ub300\ub85c\uba74 \uc62c\ud574 3\ub9cc7\ucc9c932\ub2ec\ub7ec<\/p>\n\n\n\n<p>11\uc77c \uc7ac\uc815\uacbd\uc81c\ubd80\u00b7\ud55c\uad6d\uc740\ud589\u00b7\uad6d\uac00\ub370\uc774\ud130\ucc98 \ub4f1\uc5d0 \ub530\ub974\uba74 \ud55c\uad6d\uc758 \uc9c0\ub09c\ud574 1\uc778\ub2f9 GDP\ub294 3\ub9cc6\ucc9c107\ub2ec\ub7ec\ub85c \uc804\ub144\ubcf4\ub2e4 0.3%(116\ub2ec\ub7ec) \uac10\uc18c\ud55c \uac83\uc73c\ub85c \ucd94\uc0b0\ub41c\ub2e4. 1\uc778\ub2f9 GDP \uac10\uc18c\ub294 3\ub144 \ub9cc\uc774\ub2e4.<\/p>\n\n\n\n<p>\uc9c0\ub09c\ud574 \ud55c\uad6d\uc758 \ub2ec\ub7ec \ud658\uc0b0 \uacbd\uc0c1GDP\ub294 \uc804\ub144\ubcf4\ub2e4 0.5% \uac10\uc18c\ud55c 1\uc8708\ucc9c662\uc5b5\ub2ec\ub7ec\ub85c, \uc5ed\uc2dc 2022\ub144(1\uc8707\ucc9c987\uc5b5\ub2ec\ub7ec) \uc774\ud6c4 3\ub144 \ub9cc\uc5d0 \uac10\uc18c\ud588\ub2e4.<\/p>\n\n\n\n<p>\uc815\ubd80\ub294 \uc9c0\ub09c 9\uc77c \ubc1c\ud45c\ud55c 2026\ub144 \uacbd\uc81c\uc131\uc7a5\uc804\ub7b5\uc5d0\uc11c \uc9c0\ub09c\ud574 \uacbd\uc0c1\uc131\uc7a5\ub960\uc744 3.8%\ub85c \ubd24\ub2e4.<\/p>\n\n\n\n<p>\uc774\ub97c &#8216;\ucd5c\uadfc \uacbd\uc81c\ub3d9\ud5a5(\uadf8\ub9b0\ubd81)&#8217; \uc0c1 2024\ub144 \uacbd\uc0c1GDP(2\ucc9c556\uc8708\ucc9c574\uc5b5\uc6d0)\uc5d0 \ub300\uc785\ud558\uba74 \uc9c0\ub09c\ud574 \uacbd\uc0c1GDP\ub294 2\ucc9c654\uc870180\uc5b5\uc6d0\uc73c\ub85c \uacc4\uc0b0\ub41c\ub2e4.<\/p>\n\n\n\n<p>\uc774 \uc218\uce58\uc5d0 \uc791\ub144 \ud3c9\uade0 \uc6d0\/\ub2ec\ub7ec \ud658\uc728(1,422.16\uc6d0)\uc744 \uc801\uc6a9\ud574 \ubbf8\uad6d \ub2ec\ub7ec\ud654\ub85c \ubcc0\ud658\ud558\uace0, \ub370\uc774\ud130\ucc98 \uc7a5\ub798\uc778\uad6c\ucd94\uacc4 \uc0c1 \ucd1d\uc778\uad6c(5\ucc9c168\ub9cc4\ucc9c564\uba85)\ub85c \ub098\ub204\uba74 1\uc778\ub2f9 GDP\uac00 \uc0b0\ucd9c\ub41c\ub2e4.<\/p>\n\n\n\n<p>\ud55c\uad6d\uc758 1\uc778\ub2f9 GDP\ub294 2016\ub144 3\ub9cc839\ub2ec\ub7ec\ub85c 3\ub9cc\ub2ec\ub7ec\ub97c \ub118\uc5b4\uc130\ub2e4. \uc774\ud6c4 2018\ub144 3\ub9cc5\ucc9c359\ub2ec\ub7ec\uae4c\uc9c0 \ub298\uc5c8\uc9c0\ub9cc, \ud32c\ub370\ubbf9 \ub4f1\uc758 \uc601\ud5a5\uc73c\ub85c 2\ub144 \uc5f0\uc18d \uac10\uc18c\ud574 2020\ub144 3\ub9cc3\ucc9c652\ub2ec\ub7ec\ub85c \uc904\uc5c8\ub2e4.<\/p>\n\n\n\n<p>2021\ub144\uc5d0\ub294 \ud32c\ub370\ubbf9 \uadf9\ubcf5\uc744 \uc704\ud55c \uacbd\uae30 \ubd80\uc591\ucc45\uacfc \uc0ac\ud68c\uc801 \uac70\ub9ac \ub450\uae30 \uc644\ud654, \uc218\ucd9c \ud638\uc870 \ub4f1\uc73c\ub85c 3\ub9cc7\ucc9c503\ub2ec\ub7ec\ub85c \ubc18\uc9dd \uc99d\uac00\ud588\uc9c0\ub9cc, 2022\ub144 \ubb3c\uac00 \uc0c1\uc2b9\u00b7\uae08\ub9ac \uc778\uc0c1 \ub4f1\uc5d0 \ub530\ub77c 3\ub9cc4\ucc9c810\ub2ec\ub7ec\ub85c \ub2e4\uc2dc \uac10\uc18c\ud588\ub2e4.<\/p>\n\n\n\n<p>\uc791\ub144 \ud55c\uad6d\uc758 \uc2e4\uc9c8 GDP \uc131\uc7a5\ub960 \uc608\uc0c1\uce58\ub294 1.0%\ub85c 2020\ub144(-0.7%) \uc774\ud6c4 \uac00\uc7a5 \ub0ae\uc740 \uc218\uc900\uc774\ub2e4.<\/p>\n\n\n\n<p>\uc5ec\uae30\uc5d0 \uc6d0\/\ub2ec\ub7ec \ud658\uc728\uc774 \uc5ed\ub300 \ucd5c\uace0\ub97c \uae30\ub85d\ud558\uba70 \ub2ec\ub7ec \ud658\uc0b0 GDP\uac00 \ub354 \ucd95\uc18c\ub410\ub2e4. \ud658\uc728\uc740 \uc804\ub144 \ud3c9\uade0(1,363.98\uc6d0)\ubcf4\ub2e4 58.18\uc6d0(4.3%) \uc62c\ub790\ub2e4.<\/p>\n\n\n\n<p>\uc62c\ud574\ub294 \uc815\ubd80 \uc804\ub9dd\ub300\ub85c \uacbd\uc81c\uac00 \uc131\uc7a5\ud55c\ub2e4\uba74 1\uc778\ub2f9 GDP\uac00 5\ub144 \ub9cc\uc5d0 \ub3c4\ub85c 3\ub9cc7\ucc9c\ub2ec\ub7ec\ub300\ub85c \uc9c4\uc785\ud560 \uac83\uc73c\ub85c \uc804\ub9dd\ub41c\ub2e4.<\/p>\n\n\n\n<p>\uc6d0\/\ub2ec\ub7ec \ud658\uc728\uc774 \uc791\ub144 \uc218\uc900\uc774\ub77c\uba74 1\uc778\ub2f9 GDP\ub294 3\ub9cc7\ucc9c932\ub2ec\ub7ec\ub85c \uc608\uc0c1\ub41c\ub2e4.<\/p>\n\n\n\n<p>\ud658\uc728\uc774 1,400\uc6d0\uc73c\ub85c \ub0b4\ub824\uac00\uba74 1\uc778\ub2f9 GDP\ub294 3\ub9cc8\ucc9c532\ub2ec\ub7ec\ub85c 3\ub9cc8\ucc9c\ub2ec\ub7ec\ub300\ub85c \uc62c\ub77c\uc124 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4.<\/p>\n\n\n\n<p>\u25c7 \ub300\ub9cc\uc740 \ub0b4\ub144 4\ub9cc\ub2ec\ub7ec \ub3cc\ud30c \ud655\uc2e4\uc2dc\u20264\ub144 \uc5f0\uc18d \uc99d\uac00\uc138<\/p>\n\n\n\n<p>\ub300\ub9cc\uc758 1\uc778\ub2f9 GDP\ub294 \uc9c0\ub09c\ud574 \uc774\ubbf8 \ud55c\uad6d\uc744 \ud6cc\uca4d \ub118\uc5b4\uc120 \uac83\uc73c\ub85c \ubcf4\uc778\ub2e4.<\/p>\n\n\n\n<p>\ub300\ub9cc \ud1b5\uacc4\uccad\uc740 \uc9c0\ub09c\ud574 11\uc6d4 28\uc77c \uc81c\uc2dc\ud55c \uacbd\uc81c\uc804\ub9dd\uc5d0\uc11c \uc9c0\ub09c\ud574 \uc790\uad6d\uc758 1\uc778\ub2f9 GDP\uac00 3\ub9cc8\ucc9c748\ub2ec\ub7ec\uc5d0 \ub2ec\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ud588\ub2e4.<\/p>\n\n\n\n<p>\uc9c0\ub09c\ud574 8\uc6d4 15\uc77c 3\ub9cc8\ucc9c66\ub2ec\ub7ec\ub97c \uc608\uc0c1\ud55c \ub4a4 \uc11d \ub2ec \ub9cc\uc5d0 700\ub2ec\ub7ec\uac00\ub7c9 \ub354 \ub192\uc600\ub2e4.<\/p>\n\n\n\n<p>\ud55c\uad6d\uc758 2026\ub144 1\uc778\ub2f9 GDP \ucd94\uc815\uce58\ubcf4\ub2e4 \ub300\ub9cc\uc758 \uc9c0\ub09c\ud574 1\uc778\ub2f9 GDP\uac00 \ub354 \ud06c\ub2e4.<\/p>\n\n\n\n<p>\uc774\ub294 \uc9c0\ub09c\ud574 \ub300\ub9cc\uc758 \uc2e4\uc9c8 GDP \uc131\uc7a5\ub960 \uc804\ub9dd\uce58\ub97c \uae30\uc874 4.45%\uc5d0\uc11c 7.37%\ub85c 3%\ud3ec\uc778\ud2b8(p) \uac00\uae4c\uc774 \uc0c1\ud5a5 \uc870\uc815\ud55c \ub370 \ub530\ub978 \uacb0\uacfc\ub2e4.<\/p>\n\n\n\n<p>\uc774\uc5d0 \ub354\ud574 \ub300\ub9cc \ub2ec\ub7ec\ub294 \uc6d0\ud654\uc5d0 \ube44\ud574 \uac15\uc138\ub97c \uc774\uc5b4\uc654\ub2e4.<\/p>\n\n\n\n<p>\ud55c\uc740 \uacbd\uc81c\ud1b5\uacc4\uc2dc\uc2a4\ud15c\uc5d0 \ub530\ub974\uba74, \ubbf8\uad6d \ub2ec\ub7ec\ub2f9 \ub300\ub9cc \ub2ec\ub7ec\ub294 2024\ub144 \ub9d0 32.805\ub2ec\ub7ec\uc5d0\uc11c \uc9c0\ub09c\ud574 \ub9d0 31.258\ub2ec\ub7ec\ub85c \uc18c\ud3ed \ud558\ub77d\ud588\ub2e4.<\/p>\n\n\n\n<p>\ud55c\uad6d\uc740 \uc9c0\ub09c 2003\ub144 1\ub9cc5\ucc9c211\ub2ec\ub7ec\ub85c \ub300\ub9cc(1\ub9cc4\ucc9c41\ub2ec\ub7ec)\uc744 \uc81c\uce5c \ud6c4 22\ub144 \ub9cc\uc5d0 \uc5ed\uc804\ub2f9\ud558\uac8c \ub410\ub2e4.<\/p>\n\n\n\n<p>\ub300\ub9cc\uc758 \uac00\ud30c\ub978 \uacbd\uc81c \uc131\uc7a5\uc740 \uc778\uacf5\uc9c0\ub2a5(AI) \ubd90\uc744 \ubc14\ud0d5\uc73c\ub85c \ud55c \ubc18\ub3c4\uccb4 \uc218\ucd9c \ud638\uc870 \ub355\ubd84\uc73c\ub85c \ubd84\uc11d\ub41c\ub2e4.<\/p>\n\n\n\n<p>\ub300\ub9cc\uc758 \ub300\ud45c \uae30\uc5c5\uc778 TSMC\ub294 \uc138\uacc4 \ucd5c\ub300 \ubc18\ub3c4\uccb4 \uc704\ud0c1\uc0dd\uc0b0(\ud30c\uc6b4\ub4dc\ub9ac) \uc5c5\uccb4\ub85c, \uc5d4\ube44\ub514\uc544 \ub4f1\uc5d0 \ub0a9\ud488\ud558\uba70 \uae00\ub85c\ubc8c \ubc18\ub3c4\uccb4 \uacf5\uae09\ub9dd\uc5d0\uc11c \ud575\uc2ec \uc5ed\ud560\uc744 \ud558\uace0 \uc788\ub2e4.<\/p>\n\n\n\n<p>\uc774\uc640 \uad00\ub828, \ub178\ubb34\ub77c\ub294 \uc9c0\ub09c 9\uc77c \uc544\uc2dc\uc544 \uacbd\uc81c \uc6d4\uac04 \ubcf4\uace0\uc11c\uc5d0\uc11c &#8220;\uc9c0\ub09c 2024\ub144 AI \uad00\ub828 \uc0c1\ud488\uc774 \ub300\ub9cc \uc804\uccb4 \uc0c1\ud488 \uc218\ucd9c\uc758 65% \uc774\uc0c1\uc744 \ucc28\uc9c0\ud588\ub2e4&#8221;\uace0 \uc804\ud588\ub2e4.<\/p>\n\n\n\n<p>\uadf8\ub7ec\uba74\uc11c &#8220;\ub300\ub9cc\uc744 \ube44\ub86f\ud55c \uc544\uc2dc\uc544 \uad6d\uac00\ub4e4\uc774 \ubbf8\uad6d AI \uc124\ube44 \ud22c\uc790 \ubd90\uc758 \ud61c\ud0dd\uc744 \ubc1b\uace0 \uc788\ub2e4&#8221;\uace0 \uac15\uc870\ud588\ub2e4.<\/p>\n\n\n\n<p>\ub300\ub9cc\uc740 \uc62c\ud574\ub3c4 \uc774\ub840\uc801\uc778 \uace0\uc131\uc7a5\uc744 \uc774\uc5b4\uac08 \uac83\uc73c\ub85c \uc804\ub9dd\ub41c\ub2e4.<\/p>\n\n\n\n<p>\uad6d\uc81c\uae08\uc735\uc13c\ud130\uc5d0 \ub530\ub974\uba74, \uc8fc\uc694 \uae00\ub85c\ubc8c \ud22c\uc790\uc740\ud589(IB) 8\uacf3\uc774 \uc9c0\ub09c\ub2ec \ub9d0 \uc81c\uc2dc\ud55c \ub300\ub9cc\uc758 \uc62c\ud574 \uc2e4\uc9c8 GDP \uc131\uc7a5\ub960 \uc804\ub9dd\uce58\ub294 \ud3c9\uade0 4.0%\ub85c \uc9d1\uacc4\ub410\ub2e4.<\/p>\n\n\n\n<p>JP\ubaa8\uac74\uc774 5.6%, HSBC\uac00 5.2%, \ubc45\ud06c\uc624\ube0c\uc544\uba54\ub9ac\uce74\uac00 4.5%, \uace8\ub4dc\ub9cc\uc0ad\uc2a4\uc640 \ub178\ubb34\ub77c\uac00 \uac01 4.4%\ub85c \ud3c9\uade0\ubcf4\ub2e4 \ub192\uc740 \uc804\ub9dd\uce58\ub97c \ub0b4\ub1a8\ub2e4.<\/p>\n\n\n\n<p>UBS\ub294 3.3%, \uc528\ud2f0\ub294 2.7%, \ubc14\ud074\ub9ac\ub294 1.9% 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