TRAINERS’ HOUSE GROUP INTERIM REPORT 1 JANUARY – 30 SEPTEMBER 2022
TRAINERS' HOUSE GROUP, STOCK EXCHANGE RELEASE, 27 OCTOBER 2022
at 8:30
January-September 2022 in brief
- net sales EUR 7.3 million (EUR 7.5 million), change of -3.3 %
compared to the corresponding period of the previous year
- operating result EUR 0.5 million (EUR 1.1 million), 6.8 % of
net sales (14.2 %)
- cash flow from operations EUR 0.5 million (EUR 1.1
million)
- earnings per share* EUR 0.23 (EUR 0.49)
July-September 2022 in brief
- net sales EUR 1.8 million (EUR 1.8 million), change of -2.8 %
compared to the corresponding period of the previous year
- operating result EUR -0.2 million (EUR 0.1 million), -14.0 % of
net sales (3.1 %)
- cash flow from operations EUR -0.2 million (EUR -0.1
million)
- earnings per share* EUR -0.12 (EUR 0.03)
*In the second quarter, the number of the company's shares
changed as a result of the reverse split and the related directed
free share issue. The share-specific key figures in the release
have been reported according to the number of shares on 30
September 2022 also for the comparison period.
Key figures at the end of the third quarter of 2022
- cash and cash equivalents EUR 2.2 million (EUR 3.0
million)
- interest-bearing liabilities of EUR 0.5 million (EUR 0.7
million) and interest-bearing net debt of EUR -1.7 million (EUR
(-2.3 million).
- equity ratio 67.8 % (70.9 %)
OUTLOOK FOR 2022 The company estimates the operating profit for
2022 to be EUR 0.45–0.70 million.
CEO ARTO HEIMONEN
Considering the upcoming difficult market conditions, the
company's performance was adequate. The quality of customer work
was high, and the sales work was active. However, the result
development was not satisfactory. The effort of the staff was of a
high standard. Many thanks to customers, employees, and
partners.
In August, representatives of the company's personnel and
management - Elli, Emilia, Juho, Jari and Saku - conquered the
summit of Kilimanjaro, the highest single free-standing mountain in
the world. Although only a few people took physical steps, was the
entire Trainers' House community making the journey. The purpose of
the trip was to gain visibility for Trainers' House's next business
phase and increase interest towards the company. The journey to the
next peak always goes through the valley, and the peak is climbed
one step at a time.
With the same sisu that it takes to get to the top of a
mountain, the company's personnel acquired almost a fifth more new
assignments in the third quarter than the previous year.
Due to the holiday season, the third quarter of Trainers' House
is actually two months long.
Despite the good work, the outlook for the rest of the year has
weakened. The main reason for the change is the decrease in sales
and turnover forecast.
Healthy cash flow and profitability are the most important goals
of the company's business in 2022 as well. The company continues to
strengthen the Ignis business and increase the flow efficiency of
the training business. The company is looking for breakthroughs in
the media business.
The purpose of Trainers’ House is to help people forward. The
company's strategy is to touch people, electrify management and
produce verifiable results.
More information: Arto Heimonen, CEO, +358 404 123 456 Saku
Keskitalo, CFO, +358 404 111 111 OPERATIONAL REVIEW
During the review period, the company focused on sales work and
implementing customer projects.
At the request of investors, Trainers' House became more active
in its investor communication in 2021. During the review period,
the company continued on its chosen path. The company organized a
virtual capital markets day in September. On the capital markets
day, the company confirmed that its dividend payment policy will
remain in effect. According to the policy, if the boundary
conditions are met, the company's target is to distribute a
dividend of EUR 1.0–1.5 million per year.
As previously announced, the company opened an office in Tallinn
after the review period on 3rd October. The purpose of opening the
office is to increase the company's number of personnel, generate
more customer value and expand Trainers' House's profitable
business.
As previously announced, the company specified the outlook for
2022 after the end of the review period. The outlook for operating
profit was previously EUR 0.7–1.0 million, and the new outlook is
EUR 0.45–0.70 million.
FINANCIAL PERFORMANCE
Net sales for the reporting period were EUR 7.3 million (EUR 7.5
million). Operating result was EUR 0.5 million, 6.8 % of net sales
(EUR 1.1 million, 14.2 %). The result for the period was EUR 0.5
million, 6.8 % of net sales (EUR 1.1 million, 14.1 %).
The breakdown of the Group's figures (unit thousand euros) is
presented in the following table:
|
Group’s main figures (kEUR) |
1-9/2022 |
1-9/2021 |
|
Net sales |
7 284 |
7 534 |
|
Other operating income |
6 |
0 |
|
Expenses arising from employee benefits |
-4 546 |
-4 215 |
|
Other expenses |
-1 902 |
-1 862 |
|
EBITDA |
842 |
1 456 |
|
Depreciation and impairment losses |
-344 |
-389 |
|
EBIT |
498 |
1 067 |
|
EBIT, % of net sales |
6.8 % |
14.2 % |
|
Financial income and expenses |
-10 |
-17 |
|
Result before taxes |
488 |
1 050 |
|
Income taxes |
5 |
9 |
|
Result of the period |
493 |
1 059 |
|
Result, % of net sales |
6.8 % |
14.1 % |
LONG-TERM OBJECTIVES
The company's long-term goal is profitable growth.
FINANCING, INVESTMENTS AND SOLVENCY
|
Cash flow and key financing figures (unit million euros) |
1-9/2022 |
1-9/2021 |
|
Cash flow from operations before financial items |
0.5 |
1.1 |
|
Cash flow from operations |
0.5 |
1.1 |
|
Cash flow from investments |
-0.1 |
-0.1 |
|
Cash flow from financing |
-1.5 |
-1.2 |
|
Total cash flow |
-1.2 |
-0.2 |
|
|
|
|
|
|
9/2022 |
9/2021 |
|
Cash |
2.2 |
3.0 |
|
Interest-bearing debt |
0.5 |
0.7 |
|
Equity ratio % |
67.8 % |
70.9 % |
MAJOR RISKS AND UNCERTAINTIES
Trainers’ House’s business is sensitive to economic
fluctuations.
The general economic situation internationally and in Finland
contains significant risks. The war in Europe, the tense world
political situation and the possible expansion of the crisis can
cause rapid changes in the operating environment.
Changes in the openness of Europe, the freedom of world trade
and the world political situation affect the exports of Finnish
companies, which is reflected in the demand of the domestic
market.
High inflation and the resulting increase in interest rates have
a negative effect on economic activity.
The evolution of the Covid 19-pandemic and its impact on
economic activity still contains uncertainties.
The overheating of the labor market makes it difficult to
recruit and engage key personnel.
The above-mentioned risks, when realized alone or together, have
a significant impact on the company's operations.
The company divides the risk factors affecting business,
earnings, and market capitalization into five main categories:
market and business risks, personnel-related risks, technology and
information security risks, financial risks, and legal risks.
Trainers’ House has sought to hedge against the adverse effects
of other risks with comprehensive insurance policies. These include
statutory insurance, liability and property insurance and legal
expenses insurance. Insurance coverage, insurance values and
deductibles are reviewed annually together with the insurance
company.
The Management Team reports to the Board on a monthly basis on
key business-related risks and, where necessary, risk management
measures.
The Group has the reporting systems required for effective
business monitoring. Internal control is linked to the company’s
vision, strategic goals and the business goals set on the basis of
them.
The realization of business objectives and the Group’s financial
development are monitored on a monthly basis through the Group’s
corporate governance system. As an essential part of the control
system, actual data and up-to-date forecasts are reviewed monthly
by the Group Management Team. The control system includes, among
other things, sales reporting, an income statement, a rolling
revenue and profit forecast, and key figures that are important to
operations.
Trainers’ House is an expert organization. The magnitude of
market and business risks is difficult to determine. Typical risks
in this area are related to, for example, general economic
development, customer distribution, technology choices, the
development of competition and the management of personnel
costs.
Risks are managed through the planning and regular monitoring of
sales, human resources, and operating expenses, which enables rapid
action when circumstances change. The risks of trade receivables
have been taken into account by the recognition of expenses based
on the age of the receivables and individual risk analyzes.
The goal of Trainers’ House’s financial risk management is to
secure the availability of equity and debt financing on competitive
terms and to reduce the impact of adverse market movements on the
company’s operations.
Financial risks are divided into four categories, which are
liquidity, interest rate risks, currency risks and credit risks.
Each risk is monitored separately. Liquidity and interest rate
risks are reduced with sufficient cash resources and efficient
collection of receivables. Currency risks are low as Trainers’
House operates primarily in the euro market. In financial risk
management, the focus is on liquidity.
The success of Trainers’ House as an expert organization depends
on its ability to attract and retain skilled staff. In addition to
a competitive salary, personnel risks are managed through incentive
schemes and investments in personnel training, career opportunities
and general well-being.
Technology is a key part of Trainers’ House’s business.
Technology risks include, but are not limited to, supplier risk,
risks related to internal systems, challenges posed by
technological change, and security risks. Risks are protected
against long-term cooperation with technology suppliers,
appropriate security systems, staff training and regular security
audits.
Trainers’ House’s legal risks are mainly focused on the
contractual relationship between the company and customers or
service providers. At their most typical, they relate to delivery
responsibility and the management of intellectual property rights.
In order to manage the risks related to contracts and intellectual
property rights, the company has internal guidelines for
contractual procedures. In the company’s view, the contractual
risks are not unusual.
At the end of the review period, goodwill and other intangible
assets recognized in the balance sheet have been tested in the
normal way. The test did not reveal any need for impairment.
The consolidated balance sheet of Trainers’ House has goodwill
of EUR 2.1 million. The balance sheet value of other intangible
assets is EUR 1.1 million. If the Group's profitability does not
develop as forecasted or other external factors independent of the
Group's operations, such as interest rates, change significantly,
it is possible that goodwill and other intangible assets will have
to be written off. Recognition of an impairment loss would have no
effect on the Group's cash flow.
Due to the project nature of the operations, the order backlog
is short, and predictability is therefore challenging.
The description of potential risks is not comprehensive.
Trainers' House conducts continuous risk assessment in connection
with its operations and strives to hedge against identified
risks.
Investors have also been informed about the risks in the
company’s annual review and on the website at
www.trainershouse.fi.
PERSONNEL At the end of the review period, the Group had 146
(132) employees. As before, the company reports the number of
employees converted to full-time employees.
DECISIONS REACHED AT THE ANNUAL GENERAL MEETING
The Annual General Meeting of Trainers' House Plc was held on 30
March 2022, in Helsinki with exceptional arrangements due to the
Covid 19-pandemic. Shareholders and their proxies had the
opportunity to attend the Annual General Meeting and exercise their
rights only by voting in advance and submitting counterproposals
and questions in advance. Attending the meeting on the spot was not
possible. The meeting approved the financial statements and
consolidated financial statement for the financial year 2021 and
discharged the CEO and the members of the Board of Directors from
liability. The Annual General Meeting also approved the presented
remuneration report for the institutions. In accordance with the
proposal of the Board of Directors, the Annual General Meeting
decided that the number of the company's shares will be reduced
without reducing the share capital in accordance with Chapter 15,
Section 9 of the Companies Act by merging each ten shares into one
share. The purpose of the share consolidation is to improve the
conditions for trading and to increase flexibility in the
distribution of dividends. The combination of shares will not
affect the company's equity. In order to avoid the creation of
fractions of shares, the Board of Directors was authorized to
decide on a directed share issue in which the company's new shares
will be transferred free of charge by dividing the number of shares
according to each shareholder's book-entry account by ten. The
maximum number of new shares issued by the company is a maximum of
10,000 new shares. The company's Board of Directors has the right
to decide on the exact number of new shares to be issued and on all
other matters related to the issue of shares. The authorization is
valid until 30 June 2022. The merger will be carried out in such a
way that, at the same time as the above-mentioned new shares are
issued, the company will redeem free of charge from all
shareholders the number of shares in each shareholder's book-entry
account multiplied by 9/10, nine shares will be redeemed. The
number of shares held by a shareholder is estimated on a book-entry
basis. Shares redeemed free of charge will be cancelled immediately
upon redemption. The date of the share combination is 1 April 2022.
The combination of shares will take place on the day of the
combination in the book-entry system after the end of stock
exchange trading. If necessary, trading in the company's share on
Nasdaq Helsinki Ltd will be suspended in order to make technical
arrangements in the trading system after the date of the merger.
The cancellation of the shares and the new total number will be
registered in the Trade Register by approximately 4 April 2022, and
trading in the new total number of the company's shares will begin
under the new ISIN code on 4 April 2022. The company's Board of
Directors has the right to decide on all other matters related to
the redemption of shares. The arrangement does not require any
action from shareholders. In accordance with the proposal of the
Board of Directors, the Annual General Meeting decided that the
company will pay a dividend of EUR 0.70 for each share after the
merger of shares described above. The dividend will be paid in two
installments, with EUR 0.60 to be paid on 14 April 2022 (record
date for dividend payment on 7 April 2022) and EUR 0.10 to be paid
on 22 December 2022 (record date for dividend payment on 15
December 2022). The dividend will be paid to a shareholder who is
entered in the company's shareholder register on the record date of
the dividend payment. The number of Board members was confirmed to
be four (4). Aarne Aktan, Jarmo Hyökyvaara, Jari Sarasvuo and Elma
Palsila were elected as members. At the inaugural meeting held
after the Annual General Meeting, the Board elected Jari Sarasvuo
as its Chairperson. The Annual General Meeting decided on a
remuneration of EUR 1,500 per month for the Board member and EUR
3,500 per month for the Chairperson. Ernst & Young Oy was
re-elected as the company's auditor. The auditor is remunerated
according to the auditor's reasonable invoice.
SHARES AND SHARE CAPITAL
The company’s share is listed on Nasdaq Helsinki Ltd under the
name Trainers’ House Plc (TRH1V).
In the second quarter, the number of the company's shares
changed as a result of the reverse split and the directed free
share issue. The change in the number of shares took place on 1
April 2022 after the end of trading, and trading in the new number
of shares and the ISIN code began on 4 April 2022. The new number
of shares of Trainers’ House is 2,147,826. The share-specific data
for the comparison period and the beginning of the year have been
adjusted due to the reverse split.
At the end of the reporting period, Trainers’ House Plc had
2,147,826 shares and a registered share capital of EUR 880,743.59.
The company does not hold any of its own shares. There have been no
changes in the share capital during the period.
Share performance and trading
During the period under review, a total of 540 thousand shares,
or 25.2 % of the average number of all company shares (826 thousand
shares, 38.5 %), were traded on Nasdaq Helsinki for a value of EUR
3.9 million (EUR 5.6 million). The period’s highest share quotation
was EUR 9.80 (EUR 10.85), the lowest EUR 5.00 (EUR 3.60) and the
closing price EUR 5.82 (EUR 7.28). The weighted average price was
EUR 7.25 (EUR 6.78). At the closing price on 30 September 2022, the
company’s market capitalization was EUR 12.5 million (EUR 15.6
million).
SUMMARY OF FINANCIAL STATEMENTS AND NOTES The report has been
prepared in accordance with IAS 34 standard. The report has been
prepared in accordance with IFRS standards and interpretations that
have been approved for application in the EU and are in force on 1
January 2022. In this interim report Trainers’ House has followed
the same accounting policies and calculation methods as in the 2021
annual financial statements. The figures given in the interim
report are unaudited.
|
INCOME STATEMENT IFRS (kEUR) |
1-9/2022 |
7-9/2022 |
1-9/2021 |
7-9/2021 |
1-12/2021 |
|
NET SALES |
7 284 |
1 783 |
7 534 |
1 834 |
10 340 |
|
Other operating income |
6 |
0 |
0 |
0 |
0 |
|
Expenses: |
|
|
|
|
|
|
Materials and services |
-362 |
-101 |
-532 |
-111 |
-717 |
|
Personnel-related expenses |
-4 546 |
-1 321 |
-4 215 |
-1 126 |
-5 916 |
|
Depreciation and impairment losses |
-344 |
-115 |
-389 |
-130 |
-535 |
|
Other operating expenses |
-1 540 |
-494 |
-1 330 |
-410 |
-1 856 |
|
Total expenses |
-6 792 |
-2 032 |
-6 467 |
-1 777 |
-9 024 |
|
Operating result |
498 |
-249 |
1 067 |
57 |
1 316 |
|
Financial income and expenses |
-10 |
-2 |
-17 |
-6 |
-26 |
|
Result before taxes |
488 |
-251 |
1 050 |
52 |
1 291 |
|
Income taxes |
5 |
2 |
9 |
3 |
0 |
|
RESULT OF THE PERIOD |
493 |
-249 |
1 059 |
55 |
1 291 |
|
Result attributable to owners of the parent company |
493 |
-249 |
1 059 |
55 |
1 291 |
|
Earnings per share, EUR* |
0.23 |
-0.12 |
0.49 |
0.03 |
0.60 |
|
Earnings per share attributable to owners of the parent company,
EUR* |
0.23 |
-0.12 |
0.49 |
0.03 |
0.60 |
*In the second quarter, the number of the company's shares
changed as a result of the reverse split and the related directed
free share issue. The share-specific key figures in the release
have been reported according to the number of shares on 30
September 2022 also for the comparison period.
|
BALANCE SHEET IFRS (kEUR) |
9/2022 |
9/2021 |
12/2021 |
|
ASSETS |
|
|
|
|
Non-current assets |
|
|
|
|
Tangible assets |
683 |
881 |
907 |
|
Goodwill |
2 129 |
2 129 |
2 129 |
|
Other intangible assets |
1 110 |
1 137 |
1 123 |
|
Long-term receivables |
|
|
|
|
Other receivables, long-term |
172 |
0 |
104 |
|
Deferred tax receivables |
200 |
203 |
200 |
|
Total long-term receivables |
372 |
203 |
304 |
|
Total non-current assets |
4 294 |
4 351 |
4 463 |
|
|
|
|
|
|
Current assets |
|
|
|
|
Account receivables and other receivables |
1 151 |
1 236 |
1 045 |
|
Cash and cash equivalents |
2 197 |
3 044 |
3 378 |
|
Total current assets |
3 347 |
4 280 |
4 424 |
|
TOTAL ASSETS |
7 641 |
8 630 |
8 887 |
|
|
|
|
|
|
SHAREHOLDERS’ EQUITY AND LIABILITIES |
|
|
|
|
Equity attributable to the owners of the parent company |
|
|
|
|
Share capital |
881 |
881 |
881 |
|
Distributable non-restricted equity fund |
37 |
37 |
37 |
|
Retained earnings |
3 540 |
3 967 |
3 752 |
|
Result of the period |
493 |
1 059 |
1 291 |
|
Total shareholders’ equity |
4 950 |
5 944 |
5 961 |
|
Long-term liabilities |
|
|
|
|
Deferred tax liabilities |
223 |
227 |
229 |
|
Long-term financial liabilities |
228 |
436 |
408 |
|
Total long-term liabilities |
451 |
663 |
637 |
|
Short-term liabilities |
|
|
|
|
Short-term financial liabilities |
259 |
299 |
317 |
|
Accounts payable and other liabilities |
1 982 |
1 725 |
1 971 |
|
Total short-term liabilities |
2 240 |
2 023 |
2 288 |
|
Total liabilities |
2 691 |
2 687 |
2 925 |
|
TOTAL SHAREHOLDERS’ EQUITY AND LIABILITIES |
7 641 |
8 630 |
8 887 |
|
CASH FLOW STATEMENT IFRS (kEUR) |
1-9/2022 |
1-9/2021 |
1-12/2021 |
|
CASH FLOW FROM OPERATIONS |
|
|
|
|
Result of the period |
493 |
1 059 |
1 291 |
|
Adjustments |
356 |
406 |
543 |
|
Changes in working capital |
-384 |
-370 |
-11 |
|
Cash flow from operations before financial items and taxes |
464 |
1 095 |
1 823 |
|
Financial items and taxes paid |
-10 |
-17 |
-30 |
|
CASH FLOW FROM OPERATIONS |
453 |
1 077 |
1 793 |
|
CASH FLOW FROM INVESTMENTS |
|
|
|
|
Investments in tangible and intangible assets |
-108 |
-117 |
-175 |
|
CASH FLOW FROM INVESTMENTS |
-108 |
-117 |
-175 |
|
CASH FLOW FROM FINANCING |
|
|
|
|
Repayment of lease liabilities |
-239 |
-325 |
-433 |
|
Dividends paid |
-1 289 |
-859 |
-1 074 |
|
CASH FLOW FROM FINANCING |
-1 527 |
-1 183 |
-1 507 |
|
TOTAL CASH FLOW |
-1 182 |
-223 |
111 |
|
CHANGE IN CASH AND CASH EQUIVALENTS |
|
|
|
|
Opening balance of cash and cash equivalents |
3 378 |
3 267 |
3 267 |
|
Closing balance of cash and cash equivalents |
2 197 |
3 044 |
3 378 |
|
CHANGE IN CASH AND CASH EQUIVALENTS |
-1 182 |
-223 |
111 |
CHANGE IN SHAREHOLDERS’ EQUITY (kEUR)Equity attributable to
owners of the parent company
|
CHANGE IN SHAREHOLDERS’ EQUITY (kEUR) |
Share capital |
Distributable non-restricted equity fund |
Retained earnings |
Total |
|
Equity 1 January 2021 |
881 |
37 |
4 826 |
5 744 |
|
Other comprehensive income |
|
|
1 059 |
1 059 |
|
Dividends |
|
|
-859 |
-859 |
|
Equity 30 September 2021 |
881 |
37 |
5 026 |
5 944 |
|
|
|
|
|
|
|
Equity 1 January 2022 |
881 |
37 |
5 043 |
5 961 |
|
Other comprehensive income |
|
|
493 |
493 |
|
Dividends |
|
|
-1 503 |
-1 503 |
|
Equity 30 September 2022 |
881 |
37 |
4 032 |
4 950 |
RELATED PARTY TRANSACTIONS
During the period under review, Trainers’ House had transactions
with Causa Prima Ltd, a company controlled by Jari Sarasvuo, the
Chairperson of the Board of Directors, and Pro Vividus Ltd and
Anorin Liekki Ltd, which are related to the company.
The following transactions took place with related parties:
|
RELATED PARTY TRANSACTIONS (kEUR) |
1-9/2022 |
1-9/2021 |
1-12/2021 |
|
Purchases during the period |
190 |
118 |
164 |
|
Liabilities at the end of the period |
3 |
30 |
45 |
|
PERSONNEL |
1-9/2022 |
1-9/2021 |
1-12/2021 |
|
Average number of personnel |
125 |
114 |
118 |
|
Personnel at the end of the period |
146 |
132 |
126 |
|
COMMITMENTS AND CONTINGENT LIABILITIES |
9/2022 |
9/2021 |
12/2021 |
|
Collaterals and contingent liabilities given for own
commitments |
141 |
134 |
136 |
|
OTHER KEY FIGURES |
9/2022 |
9/2021 |
12/2021 |
|
Equity ratio (%) |
67.8 % |
70.9 % |
69.8 % |
|
Shareholders' equity/share (EUR)* |
2.30 |
2.77 |
2.78 |
*In the second quarter, the number of the company's shares
changed as a result of the reverse split and the related directed
free share issue. The share-specific key figures in the release
have been reported according to the number of shares on 30
September 2022 also for the comparison period.
Calculation formulas for key figures
Earnings per share =
Result of the period attributable to owners of the parent
company
Average number of shares adjusted for share issue in
financial period Interest-bearing net debt = Interest-bearing
liabilities – cash and cash equivalents Equity ratio (%)
= Equity x
100
Balance sheet total – advances received Equity /
share
=
Equity
Number of shares adjusted for share issue at the
end of financial
period
|
Items affecting the calculation of key figures |
9/2022 |
9/2021 |
12/2021 |
|
Advances received (kEUR) |
335 |
247 |
344 |
|
Interest-bearing liabilities (kEUR) |
487 |
735 |
725 |
|
Average number of shares adjusted for share issue in financial
period (unit thousand shares)* |
2 148 |
2 148 |
2 148 |
|
Number of shares adjusted for share issue at the end of the
financial period (unit thousand shares)* |
2 148 |
2 148 |
2 148 |
*In the second quarter, the number of the company's shares
changed as a result of the reverse split and the related directed
free share issue. The share-specific key figures in the release
have been reported according to the number of shares on 30
September 2022 also for the comparison period. In Helsinki 27
October 2022 TRAINERS’ HOUSE PLC BOARD OF DIRECTORS Information:
Arto Heimonen, CEO, +358 404 123 456 Saku Keskitalo, CFO, +358
404 111 111 DISTRIBUTION Nasdaq Helsinki Main media
www.trainershouse.fi – For investors
Trainers' House Oyj (LSE:0J7A)
과거 데이터 주식 차트
부터 1월(1) 2025 으로 2월(2) 2025
Trainers' House Oyj (LSE:0J7A)
과거 데이터 주식 차트
부터 2월(2) 2024 으로 2월(2) 2025
