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22 . ·· 3 2025 63 . (UAM) , , . (R&D) R&D .(162000), (89000), (38) . " " . 2122 · (SW)·(UAM)·(AI) 105( 13) . R&D , 273 R&D . 20202021 R&D 4094 · 2 999 . 378 . 19 273 R&… [+147 chars]
· . . 30 36 0.4% 27 . 'S ' 0.2~0.4% , ' ' 1 4.6% . ' ' 0.3% 5.0% . NH·· 26 · . NH 0.4%, 0.25%. (12) 2% . 1 IBK 'IBK D-DAY' 12 2.66%, 3% . · 3.3% . 12 3.36% , 3.35% . 7 3% . 8 20 3.3% . 27 79 12 2.7… [+116 chars]
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