diff --git a/src/components/business/CEODashboard/components.tsx b/src/components/business/CEODashboard/components.tsx
index 356d8065..f3cdf130 100644
--- a/src/components/business/CEODashboard/components.tsx
+++ b/src/components/business/CEODashboard/components.tsx
@@ -12,6 +12,7 @@ import {
 import { Card, CardContent } from '@/components/ui/card';
 import { Button } from '@/components/ui/button';
 import { cn } from '@/lib/utils';
+import { formatKoreanAmount } from '@/utils/formatAmount';
 import type { CheckPoint, CheckPointType, AmountCard, HighlightColor } from './types';
 
 // 섹션별 컬러 테마 타입
@@ -245,7 +246,7 @@ export const AmountCardItem = ({
     if (card.currency === 'USD') {
       return formatUSD(amount);
     }
-    return formatBillion(amount);
+    return formatKoreanAmount(amount);
   };
 
   // 테마 적용 시 스타일
@@ -338,7 +339,7 @@ export const AmountCardItem = ({
             {card.subItems.map((item, idx) => (
               <div key={idx} className="flex justify-between gap-2">
                 <span className="shrink-0">{item.label}</span>
-                <span className="text-right">{typeof item.value === 'number' ? formatAmount(item.value, false) : item.value}</span>
+                <span className="text-right">{typeof item.value === 'number' ? formatKoreanAmount(item.value) : item.value}</span>
               </div>
             ))}
           </div>
@@ -348,7 +349,7 @@ export const AmountCardItem = ({
         {!showTrend && !card.subItems && (card.subAmount !== undefined || card.previousAmount !== undefined || card.subLabel || card.previousLabel) && (
           <div className="flex gap-4 mt-auto text-xs text-muted-foreground">
             {card.subAmount !== undefined && card.subLabel && (
-              <span>{card.subLabel}: {card.unit === '건' ? `${card.subAmount}건` : formatAmount(card.subAmount)}</span>
+              <span>{card.subLabel}: {card.unit === '건' ? `${card.subAmount}건` : formatKoreanAmount(card.subAmount)}</span>
             )}
             {card.previousLabel && (
               <span className="flex items-center gap-1">
diff --git a/src/components/business/CEODashboard/sections/EnhancedSections.tsx b/src/components/business/CEODashboard/sections/EnhancedSections.tsx
index d205343c..83112176 100644
--- a/src/components/business/CEODashboard/sections/EnhancedSections.tsx
+++ b/src/components/business/CEODashboard/sections/EnhancedSections.tsx
@@ -25,24 +25,13 @@ import {
 import { useRouter } from 'next/navigation';
 import { Card, CardContent } from '@/components/ui/card';
 import { Badge } from '@/components/ui/badge';
+import { formatKoreanAmount } from '@/utils/formatAmount';
 import type { DailyReportData, MonthlyExpenseData, TodayIssueItem, TodayIssueSettings } from '../types';
 
 // ============================================================
 // 유틸리티 함수
 // ============================================================
 
-const formatBillion = (amount: number): string => {
-  const billion = amount / 100000000;
-  if (billion >= 1) {
-    return billion.toFixed(1) + '억원';
-  }
-  const man = amount / 10000;
-  if (man >= 1) {
-    return Math.floor(man).toLocaleString() + '만원';
-  }
-  return amount.toLocaleString() + '원';
-};
-
 const formatUSD = (amount: number): string => {
   return '$ ' + new Intl.NumberFormat('en-US').format(amount);
 };
@@ -106,7 +95,7 @@ export function EnhancedDailyReportSection({ data, onClick }: EnhancedDailyRepor
             </div>
             <div className="flex items-end gap-2">
               <span style={{ color: '#0f172a' }} className="text-2xl font-bold">
-                {formatBillion(data.cards[0]?.amount || 0)}
+                {formatKoreanAmount(data.cards[0]?.amount || 0)}
               </span>
               {data.cards[0]?.changeRate && (
                 <span
@@ -140,7 +129,7 @@ export function EnhancedDailyReportSection({ data, onClick }: EnhancedDailyRepor
               <span style={{ color: '#0f172a' }} className="text-2xl font-bold">
                 {data.cards[1]?.currency === 'USD'
                   ? formatUSD(data.cards[1]?.amount || 0)
-                  : formatBillion(data.cards[1]?.amount || 0)}
+                  : formatKoreanAmount(data.cards[1]?.amount || 0)}
               </span>
               {data.cards[1]?.changeRate && (
                 <span
@@ -172,7 +161,7 @@ export function EnhancedDailyReportSection({ data, onClick }: EnhancedDailyRepor
             </div>
             <div className="flex items-end gap-2">
               <span style={{ color: '#0f172a' }} className="text-2xl font-bold">
-                {formatBillion(data.cards[2]?.amount || 0)}
+                {formatKoreanAmount(data.cards[2]?.amount || 0)}
               </span>
               {data.cards[2]?.changeRate && (
                 <span
@@ -204,7 +193,7 @@ export function EnhancedDailyReportSection({ data, onClick }: EnhancedDailyRepor
             </div>
             <div className="flex items-end gap-2">
               <span style={{ color: '#0f172a' }} className="text-2xl font-bold">
-                {formatBillion(data.cards[3]?.amount || 0)}
+                {formatKoreanAmount(data.cards[3]?.amount || 0)}
               </span>
               {data.cards[3]?.changeRate && (
                 <span
@@ -424,7 +413,7 @@ export function EnhancedMonthlyExpenseSection({ data, onCardClick }: EnhancedMon
               </span>
             </div>
             <div style={{ color: '#0f172a' }} className="text-2xl font-bold">
-              {formatBillion(data.cards[0]?.amount || 0)}
+              {formatKoreanAmount(data.cards[0]?.amount || 0)}
             </div>
             {data.cards[0]?.previousLabel && (
               <div style={{ backgroundColor: '#dcfce7', color: '#16a34a' }} className="flex items-center gap-1 px-2 py-1 rounded-full text-xs font-semibold mt-auto w-fit">
@@ -449,7 +438,7 @@ export function EnhancedMonthlyExpenseSection({ data, onCardClick }: EnhancedMon
               </span>
             </div>
             <div style={{ color: '#0f172a' }} className="text-2xl font-bold">
-              {formatBillion(data.cards[1]?.amount || 0)}
+              {formatKoreanAmount(data.cards[1]?.amount || 0)}
             </div>
             {data.cards[1]?.previousLabel && (
               <div style={{ backgroundColor: '#dcfce7', color: '#16a34a' }} className="flex items-center gap-1 px-2 py-1 rounded-full text-xs font-semibold mt-auto w-fit">
@@ -474,7 +463,7 @@ export function EnhancedMonthlyExpenseSection({ data, onCardClick }: EnhancedMon
               </span>
             </div>
             <div style={{ color: '#0f172a' }} className="text-2xl font-bold">
-              {formatBillion(data.cards[2]?.amount || 0)}
+              {formatKoreanAmount(data.cards[2]?.amount || 0)}
             </div>
             {data.cards[2]?.previousLabel && (
               <div style={{ backgroundColor: '#dcfce7', color: '#16a34a' }} className="flex items-center gap-1 px-2 py-1 rounded-full text-xs font-semibold mt-auto w-fit">
@@ -499,7 +488,7 @@ export function EnhancedMonthlyExpenseSection({ data, onCardClick }: EnhancedMon
               </span>
             </div>
             <div style={{ color: '#ffffff' }} className="text-2xl font-bold">
-              {formatBillion(totalAmount)}
+              {formatKoreanAmount(totalAmount)}
             </div>
             <div style={{ backgroundColor: 'rgba(255,255,255,0.2)', color: '#ffffff' }} className="flex items-center gap-1 px-2 py-1 rounded-full text-xs font-semibold mt-auto w-fit">
               <TrendingUp className="h-3 w-3" />
diff --git a/src/utils/formatAmount.ts b/src/utils/formatAmount.ts
index 3f1f4950..01534872 100644
--- a/src/utils/formatAmount.ts
+++ b/src/utils/formatAmount.ts
@@ -40,4 +40,39 @@ export function formatAmountManwon(amount: number): string {
   }
   const manwon = Math.round(amount / 10000);
   return `${manwon.toLocaleString("ko-KR")}만원`;
+}
+
+/**
+ * 한국식 금액 축약 포맷
+ *
+ * - 1만 미만: 원 단위 (예: "5,000원")
+ * - 1만 ~ 1억 미만: 만 단위 (예: "5,320만")
+ * - 1억 이상: 억 + 만 단위 (예: "1억 5,000만", "12억 3,453만")
+ *   - 만원 나머지가 0이면 "10억"
+ */
+export function formatKoreanAmount(amount: number): string {
+  if (amount == null || isNaN(amount)) return "0원";
+
+  const absAmount = Math.abs(amount);
+  const sign = amount < 0 ? "-" : "";
+
+  if (absAmount < 10000) {
+    // 만원 미만: 원 단위
+    return sign + absAmount.toLocaleString("ko-KR") + "원";
+  }
+
+  if (absAmount < 100000000) {
+    // 만원 ~ 억 미만: 만 단위
+    const manwon = Math.round(absAmount / 10000);
+    return sign + manwon.toLocaleString("ko-KR") + "만";
+  }
+
+  // 억 이상: 억 + 만 단위
+  const eok = Math.floor(absAmount / 100000000);
+  const remainder = Math.round((absAmount % 100000000) / 10000);
+
+  if (remainder === 0) {
+    return sign + eok.toLocaleString("ko-KR") + "억";
+  }
+  return sign + eok.toLocaleString("ko-KR") + "억 " + remainder.toLocaleString("ko-KR") + "만";
 }
\ No newline at end of file