{"id":19502,"date":"2025-03-21T13:23:23","date_gmt":"2025-03-21T04:23:23","guid":{"rendered":"https:\/\/www.sanctionlab.com\/?p=19502"},"modified":"2025-03-24T10:05:13","modified_gmt":"2025-03-24T01:05:13","slug":"%ec%9a%b0%eb%a6%ac%ea%b8%88%ec%9c%b5-%ea%b2%bd%ed%8f%89-3%eb%93%b1%ea%b8%89-%ec%b6%a9%ea%b2%a9-%eb%94%9b%ea%b3%a0-cet1-%ea%b0%9c%ec%84%a0-%ec%b4%9d%eb%a0%a5","status":"publish","type":"post","link":"https:\/\/www.sanctionlab.com\/?p=19502","title":{"rendered":"\uc6b0\ub9ac\uae08\uc735, ‘\uacbd\ud3c9 3\ub4f1\uae09’ \ucda9\uaca9 \ub51b\uace0 CET1 \uac1c\uc120 \ucd1d\ub825"},"content":{"rendered":"

|\uc9c0\ub09c\ud574 \ub9d0 \uae30\uc900 12.13%, \uc7a0\uc815\uce58 \uc6c3\ub3cc\uc544\u20261\ubd84\uae30 \ucd94\uac00 \uac1c\uc120\ud574\uc57c \ub3d9\uc591\uc0dd\uba85 \uc778\uc218 ‘\ubd88\uc528’<\/h3>\n

\uc6b0\ub9ac\uae08\uc735\uc774 \uacbd\uc601\uc2e4\ud0dc\ud3c9\uac00 3\ub4f1\uae09 \ud1b5\ubcf4\ub97c \ubc1b\uc740 \uc774\ud6c4 \ubcf4\ud1b5\uc8fc\uc790\ubcf8(CET1)\ube44\uc728 \uac1c\uc120 \uc791\uc5c5\uc5d0 \uc628 \ud798\uc744 \uc3df\uace0 \uc788\ub2e4. \uc9c0\ub09c\ud574 \ub9d0 \uae30\uc900 CET1\ube44\uc728\uc774 \uc7a0\uc815\uce58\ubcf4\ub2e4 \ub192\uc740 \uac83\uc73c\ub85c \ud655\uc778\ub410\uc73c\ub098 \uacbd\uc601\uc2e4\ud0dc\ud3c9\uac00 \ub4f1\uae09 \ud558\ud5a5\uc744 \ub9c9\uae30\uc5d0\ub294 \uc5ed\ubd80\uc871\uc774\uc5c8\ub2e4. \uc62c\ud574 1\ubd84\uae30 \ucd94\uac00\uc801\uc73c\ub85c \uc790\ubcf8\ube44\uc728\uc744 \ub192\uc5ec\uc57c \ub3d9\uc591\uc0dd\uba85 \uc778\uc218 \uac00\ub2a5\uc131\uc744 \uc870\uae08\uc774\ub77c\ub3c4 \ub192\uc77c \uc218 \uc788\ub294 \uc0c1\ud669\uc774 \ub410\ub2e4.<\/p>\n

\uc6b0\ub9ac\uae08\uc735\uc740 \uc62c\ud574\ub97c \uc790\ubcf8\ube44\uc728 \uac1c\uc120 \uc6d0\ub144\uc73c\ub85c \uc0bc\uace0 \ubaa9\ud45c\uce58\uc778 12.5%\ub97c \uc5f0\ub0b4 \ub2ec\uc131\ud55c\ub2e4\ub294 \ubaa9\ud45c\ub2e4. \uc774\ub97c \uc704\ud574 \uc6b0\ub9ac\uc740\ud589\uc740 \uc9c0\ub09c\ud574\uc5d0 \uc774\uc5b4 \uc62c\ud574\ub3c4 \uc790\uc0b0 \ub9ac\ubc38\ub7f0\uc2f1\uc5d0 \ucd08\uc810\uc744 \ub9de\ucd98 \uae30\uc5c5\ub300\ucd9c \uc804\ub7b5\uc744 \ud3bc\uce58\uace0 \uc788\ub2e4. \uc2e0\uaddc \uc601\uc5c5\uc5d0 \ub192\uc740 \ube44\uc911\uc744 \ub450\ub418 \ube44\uc6b0\ub7c9 \uc790\uc0b0 \uac10\ucd95\uc5d0 \ub300\ud574\uc11c\ub3c4 \uba74\ubc00\ud558\uac8c \ud3c9\uac00\ud574 CET1\ube44\uc728\uc744 \ucd94\uac00\uc801\uc73c\ub85c \ub192\uc778\ub2e4\ub294 \ubc29\uce68\uc774\ub2e4.<\/p>\n

\u25c7\uc9c0\uc8fc \ucd9c\ubc94 \ud6c4 CET1\ube44\uc728 ‘\ucd5c\uace0\uce58’\uc5d0\ub3c4 \uac15\ub4f1<\/strong><\/p>\n

\uae08\uc735\uac10\ub3c5\uc6d0 \uc804\uc790\uacf5\uc2dc\uc2dc\uc2a4\ud15c\uc5d0 \ub530\ub974\uba74 \uc6b0\ub9ac\uae08\uc735\uc740 \ucd5c\uadfc \uc0ac\uc5c5\ubcf4\uace0\uc11c\ub97c \uc81c\ucd9c\ud558\uba74\uc11c \uc9c0\ub09c\ud574 \ub9d0 \uae30\uc900 CET1\ube44\uc728 12.13%\ub97c \ub2ec\uc131\ud588\ub2e4\uace0 \ubc1d\ud614\ub2e4. \uc9c0\ub09c 2\uc6d4 2024\ub144 \uacbd\uc601\uc2e4\uc801\uc744 \ubc1c\ud45c\ud560 \ub54c\ub294 12.08%\ub97c \uae30\ub85d\ud560 \uac83\uc73c\ub85c \uc9d1\uacc4\ud588\uc73c\ub098 \uc7a0\uc815\uce58 \ub300\ube44 5bp \ub192\uc740 CET1\ube44\uc728\uc744 \ub2ec\uc131\ud55c \uac83\uc774\ub2e4.<\/p>\n

\"\"<\/div>\n

\uc774\ub294 \uc6b0\ub9ac\uae08\uc735\uc774 \uc9c0\uc8fc\uc0ac \uccb4\uc81c\ub85c \uc804\ud658\ud55c \ub4a4 \uae30\ub85d\ud55c \uac00\uc7a5 \ub192\uc740 CET1\ube44\uc728\uc774\ub2e4. \uc9c0\uc8fc\uc0ac \uc804\ud658 \uc774\ub4ec\ud574\uc778 2020\ub144 \uc6b0\ub9ac\uae08\uc735 CET1\ube44\uc728\uc740 10%\uc5d0 \uadf8\ucce4\ub2e4. \uc774\ud6c4 2021\ub144 11.43%, 2022\ub144 11.57%, 2023\ub144 11.99%\ub85c \ub9e4\ub144 \uac1c\uc120\ub410\uace0 \uc9c0\ub09c\ud574 \ub9d0\uc5d0\ub294 12%\ub97c \ub118\uc5b4\uc130\ub2e4. \uc9c0\ub09c\ud574 \uc704\ud5d8\uac00\uc911\uc790\uc0b0(RWA)\uc774 \ub300\ud3ed \uc99d\uac00\ud558\uba74\uc11c \uc790\ubcf8\ube44\uc728 \uc545\ud654 \uc6b0\ub824\uac00 \uc81c\uae30\ub410\uc73c\ub098 10\uc6d4\ub9d0 \uae34\uae09\ud558\uac8c \ud575\uc2ec\uc5ed\ub7c9\uc9c0\ud45c(KPI)\ub97c \ubcc0\uacbd\ud574 \uc790\uc0b0 \ub9ac\ubc38\ub7f0\uc2f1\uc5d0 \ub098\uc11c\uba74\uc11c \uc704\uae30\ub97c \ub118\uacbc\ub2e4.<\/p>\n

\uadf8\ub7fc\uc5d0\ub3c4 \uc6b0\ub9ac\uae08\uc735\uc740 \uacbd\uc601\uc2e4\ud0dc\ud3c9\uac00 \ub4f1\uae09 \ud558\ud5a5\uc744 \ub9c9\uc9c0 \ubabb\ud588\ub2e4. \uc9c0\ub09c 18\uc77c \uae08\uac10\uc6d0\uc740 \uc6b0\ub9ac\uae08\uc735\uc758 \uacbd\uc601\uc2e4\ud0dc\ud3c9\uac00 \ub4f1\uae09\uc774 2\ub4f1\uae09\uc5d0\uc11c 3\ub4f1\uae09\uc73c\ub85c \ud558\ud5a5 \uc870\uc815\ub410\ub2e4\uace0 \ud1b5\ubcf4\ud588\ub2e4. \uae30\uc874 2\ub4f1\uae09\ub3c4 0.1\uc810 \ucc28\uc774\ub85c \ub2ec\uc131\ud588\uc744 \ubfd0\ub9cc \uc544\ub2c8\ub77c \uc774\ubc88\uc5d0 \ub9ac\uc2a4\ud06c \uad00\ub9ac, \uc7a0\uc7ac\uc801 \ucda9\uaca9 \ubd80\ubb38\uc5d0\uc11c \uac10\uc810 \uc694\uc778\uc774 \ubc1c\uc0dd\ud574 \ub4f1\uae09 \ud558\ud5a5\uc774 \ubd88\uac00\ud53c\ud588\ub2e4\ub294 \uac8c \uae08\uac10\uc6d0\uc758 \uc124\uba85\uc774\ub2e4. \uc7ac\ubb34 \uc0c1\ud0dc \uac1c\uc120\ub9cc\uc73c\ub85c \ub2e4\ub978 \ubd84\uc57c\uc758 \uac10\uc810\uc744 \ub9cc\ud68c\ud558\uc9c0 \ubabb\ud55c \uac83\uc774\ub2e4.<\/p>\n

\uacbd\uc601\uc2e4\ud0dc\ud3c9\uac00 \ub4f1\uae09 \ud558\ud5a5\uc73c\ub85c \ub3d9\uc591\uc0dd\uba85 \uc778\uc218 \ub51c\uc5d0 \uc545\uc7ac\uac00 \ub420 \ubfd0\ub9cc \uc544\ub2c8\ub77c \uc6b0\ub9ac\uae08\uc735 \uc704\uc0c1\uc5d0\ub3c4 \uc545\uc601\ud5a5\uc774 \ubd88\uac00\ud53c\ud558\ub2e4. \uc6b0\ub9ac\uae08\uc735\uc740 KB\uae08\uc735, \uc2e0\ud55c\uae08\uc735, \ud558\ub098\uae08\uc735\uacfc \ud568\uaed8 \uc2dc\uc911\uc740\ud589\uc744 \uc0b0\ud558\uc5d0 \ub454 4\ub300 \uae08\uc735\uc9c0\uc8fc\ub85c \ubd84\ub958\ub3fc\uc654\ub2e4. \ud558\uc9c0\ub9cc \uc774\uc911 \uc720\uc77c\ud558\uac8c \uacbd\uc601\uc2e4\ud0dc\ud3c9\uac00 3\ub4f1\uae09\uc744 \ubc1b\uc740 \uae08\uc735\uc9c0\uc8fc\uac00 \ub418\uba74\uc11c \ucc28\uc774\uac00 \uc0dd\uacbc\ub2e4.<\/p>\n

\uc6b0\ub9ac\uae08\uc735\uc774 \ubc38\ub958\uc5c5 \ud504\ub85c\uadf8\ub7a8\uc5d0 \uacf5\uc744 \ub4e4\uc774\uace0 \uc788\ub2e4\ub294 \uc810\uc5d0\uc11c\ub3c4 \ub4f1\uae09 \ud558\ud5a5\uc740 \ubf08\uc544\ud504\ub2e4. \uacbd\uc601\uc2e4\ud0dc\ud3c9\uac00 \ub4f1\uae09 \ud558\ub77d\uc774 \uc8fc\uac00 \ud558\ub77d \uc555\ub825\uc744 \uc8fc\uc9c4 \uc54a\uc9c0\ub9cc \uc6b0\ub9ac\uae08\uc735\uc758 \ubc38\ub958\uc5c5 \ud504\ub85c\uadf8\ub7a8 \uc2e0\ub8b0\ub3c4\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\ub2e4. \ud2b9\ud788 \ub9ac\uc2a4\ud06c\ub97c \ucd5c\uc18c\ud654\ud558\ub824\ub294 \uacbd\ud5a5\uc774 \uc9d9\uc740 \uc678\uad6d\uc778 \ud22c\uc790\uc790\uc758 \uacbd\uc6b0 \ub2e4\ub978 \uae08\uc735\uc9c0\uc8fc \ub300\uc2e0 \uc6b0\ub9ac\uae08\uc735\uc744 \uc120\ud0dd\ud560 \ub9cc\ud55c \uc720\uc778\uc774 \ub5a8\uc5b4\uc9c4\ub2e4.<\/p>\n

\u25c71\ubd84\uae30 \uc790\ubcf8\ube44\uc728 \uc9d1\uacc4 \ud6c4 \ub3d9\uc591\uc0dd\uba85 \uc778\ud5c8\uac00 \uc5ec\ubd80 \uacb0\uc815<\/strong><\/p>\n

\uc6b0\ub9ac\uae08\uc735\uc740 \ub3d9\uc591\uc0dd\uba85 \uc778\uc218\ub97c \uc131\uc0ac\uc2dc\ucf1c\uc57c \ubd84\uc704\uae30\ub97c \ubc18\uc804\uc2dc\ud0ac \uc218 \uc788\ub2e4. \uc774\ub97c \uc704\ud574 \uc774\uc0ac\ud68c \uae30\ub2a5\uc744 \uac15\ud654\ud558\uace0 \ub0b4\ubd80\ud1b5\uc81c \uc2dc\uc2a4\ud15c\uc744 \uc815\ube44\ud558\ub294 \uac83\uc73c\ub85c \uae08\uc735 \ub2f9\uad6d\uc5d0 \ub9ac\uc2a4\ud06c \uad00\ub9ac \ubc0f \uc7a0\uc7ac\uc801 \ucda9\uaca9 \ubd80\ubb38 \uac1c\uc120 \uc758\uc9c0\ub97c \ubcf4\uc5ec\uc8fc\uace0 \uc788\ub2e4. \uc5ec\uae30\uc5d0 \ucd94\uac00\uc801\uc778 \uc790\ubcf8\ube44\uc728 \uac1c\uc120\uc744 \ud1b5\ud574 \ub3d9\uc591\uc0dd\uba85 \uc778\uc218\uc5d0 \ubb34\ub9ac\uac00 \uc5c6\uc74c\uc744 \uc785\uc99d\ud55c\ub2e4\ub294 \uac01\uc624\ub2e4.<\/p>\n

\uc6b0\ub9ac\uae08\uc735 CET1\ube44\uc728\uc5d0 \uac00\uc7a5 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \uacc4\uc5f4\uc0ac\uc778 \uc6b0\ub9ac\uc740\ud589\uc740 \uc62c\ud574\ub3c4 \ubcf4\uc218\uc801\uc778 \uae30\uc5c5\uae08\uc735 \uc601\uc5c5 \uc804\ub7b5\uc744 \ud3bc\uce58\uace0 \uc788\ub2e4. \uc2e0\uaddc \uc601\uc5c5\uc758 \uacbd\uc6b0 \uc790\ubcf8\ube44\uc728\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc774 \ud06c\uc9c0 \uc54a\uc740 \uc6b0\ub7c9 \uc5ec\uc2e0 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\ucd95\ud558\ub294 \ub370 \ucd08\uc810\uc744 \ub9de\ucdc4\ub2e4. \ube44\uc6b0\ub7c9 \uc5ed\ub9c8\uc9c4 \uc5ec\uc2e0\uc740 \uac10\ucd95\ud55c\ub2e4. \uc774\uac19\uc740 \uc790\uc0b0 \ub9ac\ubc38\ub7f0\uc2f1 \uc791\uc5c5\uc744 \ud1b5\ud574 \uae30\uc5c5\ub300\ucd9c \ub9d0\uc794\uacfc \ud3c9\uc794\uc744 \uc720\uc9c0\ud558\ub294 \uac8c \uc601\uc5c5 \uc804\ub7b5\uc758 \uace8\uc790\ub2e4.<\/p>\n

\ud604 \uc601\uc5c5 \uc804\ub7b5\uc744 \uc720\uc9c0\ud558\uba74 1\ubd84\uae30 CET1\ube44\uc728\uc740 \uc9c0\ub09c\ud574 \ub9d0 \ub300\ube44 \uac1c\uc120\ub420 \uc218 \uc788\ub2e4. \uc6b0\ub9ac\uae08\uc735\uc758 1\ubd84\uae30 \ub9d0 \uae30\uc900 CET1\ube44\uc728\uc740 \uae08\uc735 \ub2f9\uad6d\uc774 \ub3d9\uc591\uc0dd\uba85 \uc778\ud5c8\uac00 \uc5ec\ubd80\ub97c \uacb0\uc815\ud558\ub294 \ucc38\uace0 \uc790\ub8cc\uac00 \ub420 \uc218 \uc788\ub2e4. \uc6b0\ub9ac\uae08\uc735 CET1\ube44\uc728 \uc7a0\uc815\uce58\ub294 1\ubd84\uae30 \uacbd\uc601 \uc2e4\uc801\uc774 \uacf5\uac1c\ub418\ub294 4\uc6d4\uaed8 \uc9d1\uacc4\ub420 \uac83\uc73c\ub85c \uad00\uce21\ub41c\ub2e4. \ub3d9\uc591\uc0dd\uba85 \uc778\ud5c8\uac00 \uc2b9\uc778 \uc5ec\ubd80\ub294 5\uc6d4\uc5d0 \uacb0\uc815\ub420 \uc608\uc815\uc774\ub2e4.<\/p>\n

2\ub144\uc5ec \ub4a4\uc5d0 \uc788\uc744 \uacbd\uc601\uc2e4\ud0dc\ud3c9\uac00\uc5d0\uc11c 2\ub4f1\uae09\uc744 \ud68c\ubcf5\ud558\uae30 \uc704\ud574\uc11c\ub77c\ub3c4 CET1\ube44\uc728 \ucd94\uac00 \uac1c\uc120\uc774 \ud544\uc694\ud558\ub2e4. \uc6b0\ub9ac\uae08\uc735\uc740 \uac10\uc810\uc774 \ubc1c\uc0dd\ud55c \ub9ac\uc2a4\ud06c \uad00\ub9ac, \uc7a0\uc7ac\uc801 \ucda9\uaca9 \ubd80\ubb38 \uc678\uc5d0\ub3c4 \uc7ac\ubb34\uc0c1\ud0dc \ubd80\ubb38\uc5d0\uc11c \ub2e4\ub978 \uae08\uc735\uc9c0\uc8fc \ub300\ube44 \ub0ae\uc740 \uc810\uc218\ub97c \ubc1b\uace0 \uc788\ub2e4. \uc62c\ud574 \ubaa9\ud45c\uce58\uc778 12.5%\ub97c \ub2ec\uc131\ud558\uace0 \ub2e4\ub978 \ub300\ud615 \uae08\uc735\uc9c0\uc8fc\uc640 \ub9c8\ucc2c\uac00\uc9c0\ub85c 13%\ub300\uc5d0 \uc548\ucc29\ud574\uc57c \uc548\uc815\uc801\uc73c\ub85c \uacbd\uc601\uc2e4\ud0dc\ud3c9\uac00 2\ub4f1\uae09\uc744 \uc720\uc9c0\ud560 \uc218 \uc788\ub294 \ubc1c\ud310\uc774 \ub9c8\ub828\ub41c\ub2e4.<\/p>\n

\/ \ucd5c\ud544\uc6b0 \ub354\ubca8 \uae30\uc790<\/p>\n","protected":false},"excerpt":{"rendered":"

|\uc9c0\ub09c\ud574 \ub9d0 \uae30\uc900 12.13%, \uc7a0\uc815\uce58 \uc6c3\ub3cc\uc544\u20261\ubd84\uae30 \ucd94\uac00 \uac1c\uc120\ud574\uc57c \ub3d9\uc591\uc0dd\uba85 \uc778\uc218 ‘\ubd88\uc528’ \uc6b0\ub9ac\uae08\uc735\uc774 \uacbd\uc601\uc2e4\ud0dc\ud3c9\uac00 3\ub4f1\uae09 \ud1b5\ubcf4\ub97c \ubc1b\uc740 \uc774\ud6c4 \ubcf4\ud1b5\uc8fc\uc790\ubcf8(CET1)\ube44\uc728 \uac1c\uc120 \uc791\uc5c5\uc5d0 \uc628 \ud798\uc744 \uc3df\uace0 \uc788\ub2e4. \uc9c0\ub09c\ud574 \ub9d0 \uae30\uc900 CET1\ube44\uc728\uc774 \uc7a0\uc815\uce58\ubcf4\ub2e4 \ub192\uc740 \uac83\uc73c\ub85c \ud655\uc778\ub410\uc73c\ub098 \uacbd\uc601\uc2e4\ud0dc\ud3c9\uac00 \ub4f1\uae09 \ud558\ud5a5\uc744 \ub9c9\uae30\uc5d0\ub294 \uc5ed\ubd80\uc871\uc774\uc5c8\ub2e4. \uc62c\ud574 1\ubd84\uae30 \ucd94\uac00\uc801\uc73c\ub85c \uc790\ubcf8\ube44\uc728\uc744 \ub192\uc5ec\uc57c \ub3d9\uc591\uc0dd\uba85 \uc778\uc218 \uac00\ub2a5\uc131\uc744 \uc870\uae08\uc774\ub77c\ub3c4 \ub192\uc77c \uc218 \uc788\ub294 \uc0c1\ud669\uc774 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