{"id":26062,"date":"2025-05-07T15:33:01","date_gmt":"2025-05-07T06:33:01","guid":{"rendered":"https:\/\/www.sanctionlab.com\/?p=26062"},"modified":"2025-05-08T09:53:38","modified_gmt":"2025-05-08T00:53:38","slug":"cet1%eb%b9%84%ec%9c%a8-%ec%83%88-%eb%aa%a9%ed%91%9c-13-%ec%9e%90%eb%b3%b8-%eb%b0%b0%ec%b9%98-%ea%b3%84%ed%9a%8d%ec%9d%80","status":"publish","type":"post","link":"https:\/\/www.sanctionlab.com\/?p=26062","title":{"rendered":"CET1\ube44\uc728 \uc0c8 \ubaa9\ud45c &#8216;13%&#8217;, \uc790\ubcf8 \ubc30\uce58 \uacc4\ud68d\uc740"},"content":{"rendered":"<h3>|\ubcf4\ud5d8\uc0ac \uc778\uc218\ub85c \uc778\ud55c \ud558\ub77d\ud3ed \uc81c\ud55c\uc801\u2026\uc740\ud589 \ub9ac\ubc38\ub7f0\uc2f1 \uc9c0\uc18d, \uc99d\uad8c \uc911\uc2ec RWA \uc131\uc7a5<\/h3>\n<p>\uc6b0\ub9ac\uae08\uc735\uc774 \ub3d9\uc591\uc0dd\uba85\uacfc ABL\uc0dd\uba85 \uc778\uc218 \uc870\uac74\ubd80 \uc2b9\uc778\uc744 \ubc1b\uc73c\uba74\uc11c \uc0c8\ub85c\uc6b4 \uc790\ubcf8\ube44\uc728 \uad00\ub9ac \uacc4\ud68d\uc744 \uacf5\uac1c\ud588\ub2e4. 2027\ub144\uae4c\uc9c0 \ubcf4\ud1b5\uc8fc\uc790\ubcf8(CET1)\ube44\uc728 13%\ub97c \ub2ec\uc131\ud55c\ub2e4\ub294 \uacc4\ud68d\uc774\ub2e4. \uc55e\uc11c \ubc38\ub958\uc5c5 \ud504\ub85c\uadf8\ub7a8\uc744 \ud1b5\ud574 \uc911\uc7a5\uae30 \ubaa9\ud45c 13%\ub97c \uc81c\uc2dc\ud588\uc73c\ub098 \ub2ec\uc131 \uc2dc\uc810\uc744 \ud655\uc815\ud55c \uac74 \uc774\ubc88\uc774 \ucc98\uc74c\uc774\ub2e4. \uae30\uc874 \ubaa9\ud45c 12.5%\uc5d0 \uadfc\uc811\ud55c CET1\ube44\uc728\uc5d0 \ub3c4\ub2ec\ud558\uba74\uc11c \uc0c8 \ubaa9\ud45c\ub97c \uad6c\uccb4\ud654\ud588\ub2e4.<\/p>\n<p>\ubcf4\ud5d8\uc0ac \uc778\uc218\ub85c \uc778\ud55c CET1\ube44\uc728 \ud558\ub77d \uc555\ub825\uc774 \uc81c\ud55c\uc801\uc77c \uac83\uc774\ub780 \uc790\uc2e0\uac10\uc774 \uc0c8 \ubaa9\ud45c \uc218\ub9bd\uc5d0 \ubc18\uc601\ub410\ub2e4. \uc6b0\ub9ac\uae08\uc735\uc740 \uc790\ubcf8\ube44\uc728\uc5d0 \ubcc4\ub2e4\ub978 \uc601\ud5a5 \uc5c6\uc774 \uadf8\ub8f9 \uc21c\uc774\uc775\uc744 10%\uac00\ub7c9 \ub298\ub9b4 \uc218 \uc788\uc744 \uac83\uc73c\ub85c \ubcf4\uace0 \uc788\ub2e4. \uc6b0\ub9ac\uc740\ud589\uc774 \ub9ac\ubc38\ub7f0\uc2f1 \uc791\uc5c5\uc744 \uc774\uc5b4\uac00\uace0 \uc6b0\ub9ac\ud22c\uc790\uc99d\uad8c \uc911\uc2ec\uc73c\ub85c \uc704\ud5d8\uac00\uc911\uc790\uc0b0(RWA)\uc744 \ub298\ub9ac\uba74 \ucda9\ubd84\ud788 13%\ub97c \ub2ec\uc131\ud560 \uc218 \uc788\ub2e4\ub294 \uacc4\uc0b0\uc774 \uae54\ub838\ub2e4.<\/p>\n<p><strong>\u25c7\uae30\uc874 \ubaa9\ud45c\uce58 \ub2ec\uc131 \ucd08\uc77d\uae30\u2026\ub3d9\uc591\uc0dd\uba85 \uc778\uc218 \uc601\ud5a5 \uc81c\ud55c\uc801<\/strong><\/p>\n<p>\uc6b0\ub9ac\uae08\uc735\uc740 \uc9c0\ub09c 2\uc77c \uae08\uc735\uc704\uc6d0\ud68c\ub85c\ubd80\ud130 \ub3d9\uc591\uc0dd\uba85, ABL\uc0dd\uba85 \uc778\uc218 \uc870\uac74\ubd80 \uc2b9\uc778\uc744 \ubc1b\uc73c\uba74\uc11c \uc911\uc7a5\uae30 \uc7ac\ubb34\uad6c\uc870 \uc548\uc815\ud654\ubc29\uc548\uc744 \uacf5\uac1c\ud588\ub2e4. 2027\ub144 \ub9d0\uae4c\uc9c0 CET1\ube44\uc728\uc744 13% \uc774\uc0c1\uc73c\ub85c \ub04c\uc5b4\uc62c\ub9b0\ub2e4\ub294 \ubc29\uce68\uc774\ub2e4. \uc774\ub97c \uc704\ud55c \ubc29\uc548\uc73c\ub85c \u25b3RWA \uad00\ub9ac \u25b3\ud658\uc728 \ubbfc\uac10\uc790\uc0b0 \ub4f1 \uace0\uc704\ud5d8\uc790\uc0b0 \uac10\ucd95 \u25b3\uc720\ud734 \ubd80\ub3d9\uc0b0\uc744 \ube44\ub86f\ud55c \ubcf4\uc720\uc790\uc0b0 \ub9e4\uac01\uc744 \uc81c\uc2dc\ud588\ub2e4.<\/p>\n<figure id=\"attachment_26063\" aria-describedby=\"caption-attachment-26063\" style=\"width: 620px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-26063\" src=\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/05\/20250507112647312.png\" alt=\"\" width=\"620\" height=\"303\" srcset=\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/05\/20250507112647312.png 620w, https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/05\/20250507112647312-300x147.png 300w, https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/05\/20250507112647312-150x73.png 150w\" sizes=\"auto, (max-width: 620px) 100vw, 620px\" \/><figcaption id=\"caption-attachment-26063\" class=\"wp-caption-text\">*\uc6b0\ub9ac\uae08\uc735 \uc790\ubcf8\ube44\uc728 \ucd94\uc774<\/figcaption><\/figure>\n<p>\uc6b0\ub9ac\uae08\uc735\uc774 CET1\ube44\uc728 \ubaa9\ud45c\uce58\ub97c \uc0c8\ub85c \uc81c\uc2dc\ud55c \uac74 \uae30\uc874 \ubaa9\ud45c \ub2ec\uc131\uc774 \ucd08\uc77d\uae30\uc5d0 \ub4e4\uc5b4\uac14\uae30 \ub54c\ubb38\uc774\ub2e4. \uc6b0\ub9ac\uae08\uc735\uc740 \ub2f9\ucd08 \uc9c0\ub09c\ud574 12.2%, \uc62c\ud574 12.5% \ub2ec\uc131\uc744 \ubaa9\ud45c\ub85c \uc0bc\uc558\ub2e4. \uc9c0\ub09c\ud574 \ub9d0 12.13%\ub85c \ubaa9\ud45c\uce58\uc5d0 \ubbf8\uce58\uc9c0 \ubabb\ud588\uc73c\ub098 \uc62c\ud574\ub294 \ub2ec\uc131\uc774 \ud655\uc2e4\uc2dc\ub41c\ub2e4. \uc9c0\ub09c 1\ubd84\uae30 12.5%\uc5d0\uc11c 8bp \ubaa8\uc790\ub780 12.42%\ub97c \uae30\ub85d\ud588\ub2e4.<\/p>\n<p>\uc6b0\ub9ac\uc740\ud589\uc758 \uc790\uc0b0 \ub9ac\ubc38\ub7f0\uc2f1(\uac10\ucd95) \uc791\uc5c5\uc774 CET1\ube44\uc728 \uac1c\uc120\uc5d0 \uacb0\uc815\uc801\uc774\uc5c8\ub2e4. \uc9c0\ub09c\ud574 10\uc6d4\ub9d0 \uc790\uc0b0 \uac10\ucd95\uc5d0 \uac00\uc810\uc744 \ubd80\uc5ec\ud558\ub294 KPI \ud56d\ubaa9\uc744 \uc2e0\uc124\ud55c \ub370 \uc774\uc5b4 \uc62c\ud574\ub3c4 \ub9ac\ubc38\ub7f0\uc2f1\uc5d0 \ubcc4\ub3c4 \ubc30\uc810\uc744 \ubd80\uc5ec\ud558\uba74\uc11c RWA\ub97c \uad00\ub9ac\ud558\uace0 \uc788\ub2e4. \uc62c\ud574 \uae30\uc5c5\ub300\ucd9c \uc794\uc561\uc774 \uac10\uc18c\ud558\uba74\uc11c CET1\ube44\uc728 \uac1c\uc120 \uc791\uc5c5\uc5d0 \ud0c4\ub825\uc774 \ubd99\uc5c8\ub2e4.<\/p>\n<p>\uc6b0\ub9ac\uae08\uc735\uc740 \ub3d9\uc591\uc0dd\uba85\uacfc ABL\uc0dd\uba85 \uc778\uc218\uc640 \uad00\uacc4 \uc5c6\uc774 13% \ub2ec\uc131\uc774 \uac00\ub2a5\ud560 \uac83\uc73c\ub85c \ubcf4\uace0 \uc788\ub2e4. \ubcf4\ud5d8 \uacc4\uc5f4\uc0ac\ub97c \ucd94\uac00\ud558\ub294 \uacfc\uc815\uc5d0\uc11c CET1\ube44\uc728\uc5d0 \ubbf8\uce60 \uc601\ud5a5\uc774 \uc81c\ud55c\uc801\uc774\ub77c\ub294 \uc124\uba85\uc774\ub2e4. \ub3d9\uc591\uc0dd\uba85\uacfc ABL\uc0dd\uba85 \uc9c0\ubd84 \ud22c\uc790\ub294 \uc704\ud5d8\uac00\uc911\uce58 250%\ub97c \uc801\uc6a9\ubc1b\ub294\ub2e4. \uc774 \uae30\uc900\uc5d0 \ub530\ub974\uba74 \uc778\uc218\ub85c \uc778\ud55c CET1\ube44\uc728 \ud558\ub77d\ud3ed\uc740 10bp\ub97c \ubc11\ub3c4\ub294 \uc218\uc900\uc5d0 \uadf8\uce60 \uac83\uc73c\ub85c \ucd94\uc0b0\ub41c\ub2e4.<\/p>\n<p>\ubcf4\ud5d8\uc0ac \uc778\uc218 \ud6c4 \uc21c\uc774\uc775\uc774 \uc99d\uac00\ud558\ub294 \uac83\ub3c4 \uc790\ubcf8\ube44\uc728 \uac1c\uc120\uc5d0 \ud798\uc744 \ubcf4\ud0e4 \uc218 \uc788\ub294 \uc694\uc778\uc774\ub2e4. \uc6b0\ub9ac\uae08\uc735\uc740 \ub3d9\uc591\uc0dd\uba85\uacfc ABL\uc0dd\uba85 \uc778\uc218 \uc791\uc5c5\uc774 \ub9c8\ubb34\ub9ac\ub418\uba74 \uadf8\ub8f9 \uc21c\uc774\uc775\uc774 10%\uac00\ub7c9 \uc99d\uac00\ud558\ub294 \ud6a8\uacfc\uac00 \uc788\uc744 \uac83\uc73c\ub85c \uc608\uc0c1\ud558\uace0 \uc788\ub2e4. \uc591\uc0ac \uc7ac\ubb34 \uac74\uc804\uc131\uc744 \uc790\uccb4\uc801\uc73c\ub85c \uac1c\uc120\ud574 \uadf8\ub8f9 \ucc28\uc6d0\uc758 \uc790\ubcf8 \ud22c\uc785 \ubd80\ub2f4\ub3c4 \ucd5c\uc18c\ud654\ud558\uae30\ub85c \ud588\ub2e4.<\/p>\n<p><strong>\u25c7\uc6b0\ub9ac\uc740\ud589 \ub9ac\ubc38\ub7f0\uc2f1 \uc791\uc5c5 \uc9c0\uc18d\u2026RWA \ud55c\ub3c4 \ubd80\uc5ec \uc6b0\uc120\uc21c\uc704 \uc6b0\ud22c\uc99d\uad8c<\/strong><\/p>\n<p>\uadf8\ub8f9 CET1\ube44\uc728\uc5d0 \uac00\uc7a5 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \uc6b0\ub9ac\uc740\ud589\uc758 \ub9ac\ubc38\ub7f0\uc2f1 \uc791\uc5c5\ub3c4 \uc9c0\uc18d\ud55c\ub2e4. \uc6b0\ub9ac\uae08\uc735\uc740 \uc9c0\ub09c\ud574 4\ubd84\uae30, \uc62c\ud574 1\ubd84\uae30\uc5d0 \uc774\uc5b4 2\ubd84\uae30\uc5d0\ub3c4 \uc800\ub9c8\uc9c4\u00b7\uc5ed\ub9c8\uc9c4 \uc790\uc0b0 \uac10\ucd95\uc744 \uc774\uc5b4\uac08 \uc608\uc815\uc774\ub2e4. RWA \uc99d\uac00\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \uace0\ud658\uc728 \uae30\uc870\uac00 \uc774\uc5b4\uc9c8 \uacbd\uc6b0\uc5d4 \ud558\ubc18\uae30\uc5d0\ub3c4 \ub9ac\ubc38\ub7f0\uc2f1\uc744 \uc774\uc5b4\uac00\uae30\ub85c \ud588\ub2e4. CET1\ube44\uc728 \uac1c\uc120\uc744 \uac00\uc7a5 \uc6b0\uc120\uc2dc\ud558\ub294 \uac83\uc774\ub2e4.<\/p>\n<p>\uc6b0\ub9ac\uc740\ud589\uc740 \uc9c0\ub09c 1\ubd84\uae30 \uae30\uc900 RWA 190\uc8709700\uc5b5\uc6d0\uc744 \uae30\ub85d\ud588\ub2e4. \uc9c0\ub09c\ud574 \ub9d0 192\uc87090\uc5b5\uc6d0\uc5d0 \ube44\ud574 1\uc870390\uc5b5\uc6d0(0.5%) \uac10\uc18c\ud588\ub2e4. RWA \uc131\uc7a5\ub960\uc744 \ubcf4\uc218\uc801\uc73c\ub85c \uad00\ub9ac\ud558\ub294 \ub370 \uadf8\uce58\uc9c0 \uc54a\uace0 RWA \uc794\uc561\uc744 \uc904\uc774\uba74\uc11c \ub2e4\ub978 \uacc4\uc5f4\uc0ac\uc5d0 RWA \uc131\uc7a5 \ud55c\ub3c4\ub97c \ucd94\uac00\uc801\uc73c\ub85c \ubd80\uc5ec\ud560 \uc218 \uc788\ub294 \uc5ec\uc720\uac00 \uc0dd\uacbc\ub2e4.<\/p>\n<p>\uc6b0\ub9ac\uc740\ud589 RWA \uac10\ucd95 \ud6a8\uacfc\uac00 \uc9c0\uc18d\ub418\uba74 CET1\ube44\uc728 \uac1c\uc120\uc5d0 \uc18d\ub3c4\ub97c \ub0bc \uc218 \uc788\ub2e4. \uc62c 1\ubd84\uae30 \uc6b0\ub9ac\uc740\ud589 CET1\ube44\uc728\uc740 29bp \uac1c\uc120\ub410\ub2e4. \uc0b0\uc220\uc801\uc73c\ub85c \uc62c\ud574 \ub9d0 CET1\ube44\uc728 13%\uc5d0 \ub3c4\ub2ec\ud558\ub294 \uac83\ub3c4 \ubd88\uac00\ub2a5\ud558\uc9c0 \uc54a\uc740 \uc148\uc774\ub2e4. \ub2e4\ub9cc \ubc38\ub958\uc5c5 \ud504\ub85c\uadf8\ub7a8\uc5d0 \ub530\ub77c \uc8fc\uc8fc\ud658\uc6d0 \uaddc\ubaa8\ub97c \ud655\ub300\ud574\uc57c \ud558\uace0 \ud658\uc728 \ud750\ub984\uc5d0 \ub530\ub77c \uc6b0\ub9ac\uc740\ud589 \uc601\uc5c5\uc744 \uac15\ud654\ud574\uc57c \ud55c\ub2e4\ub294 \uc810\uc744 \uace0\ub824\ud574 \ubaa9\ud45c \ub2ec\uc131 \uc2dc\uc810\uc744 \ub0b4\ub144 \ub9d0\ub85c \uc815\ud588\ub2e4.<\/p>\n<p>\uc6b0\ud22c\uc99d\uad8c\uc758 \uc131\uc7a5\uc744 \uc9c0\uc6d0\ud574\uc57c \ud558\ub294 \uac83\ub3c4 13% \ub2ec\uc131 \uc2dc\uc810\uc744 \ub0b4\ub144 \ub9d0\ub85c \uc815\ud558\ub294 \ub370 \uc601\ud5a5\uc744 \ubbf8\ucce4\ub2e4. \uc6b0\ud22c\uc99d\uad8c\uc740 \uc62c\ud574 \ud22c\uc790\ub9e4\ub9e4\uc5c5 \uc778\uac00\ub97c \ubc1b\uace0 IB \ube44\uc988\ub2c8\uc2a4 \ud655\uc7a5\uc744 \ub3c4\ubaa8\ud558\uace0 \uc788\ub2e4. \uc774\ub97c \uc704\ud574 \ub2e4\ub978 \uacc4\uc5f4\uc0ac \ub300\ube44 \ub192\uc740 RWA \uc131\uc7a5\ub960 \uae30\ub85d\uc774 \ubd88\uac00\ud53c\ud558\ub2e4. \uc6b0\ub9ac\uae08\uc735\uc740 \ub0b4\ub144 \ub9d0 CET1\ube44\uc728 13% \ub2ec\uc131\uc774 \uac00\ub2a5\ud55c \uc120\uc5d0\uc11c \uc6b0\ud22c\uc99d\uad8c\uc5d0 RWA \uc131\uc7a5 \ud55c\ub3c4\ub97c \ubd80\uc5ec\ud560 \uacc4\ud68d\uc774\ub2e4.<\/p>\n<p>\/ \ucd5c\ud544\uc6b0 \ub354\ubca8 \uae30\uc790<\/p>\n","protected":false},"excerpt":{"rendered":"<p>|\ubcf4\ud5d8\uc0ac \uc778\uc218\ub85c \uc778\ud55c \ud558\ub77d\ud3ed \uc81c\ud55c\uc801\u2026\uc740\ud589 \ub9ac\ubc38\ub7f0\uc2f1 \uc9c0\uc18d, \uc99d\uad8c \uc911\uc2ec RWA \uc131\uc7a5 \uc6b0\ub9ac\uae08\uc735\uc774 \ub3d9\uc591\uc0dd\uba85\uacfc ABL\uc0dd\uba85 \uc778\uc218 \uc870\uac74\ubd80 \uc2b9\uc778\uc744 \ubc1b\uc73c\uba74\uc11c \uc0c8\ub85c\uc6b4 \uc790\ubcf8\ube44\uc728 \uad00\ub9ac \uacc4\ud68d\uc744 \uacf5\uac1c\ud588\ub2e4. 2027\ub144\uae4c\uc9c0 \ubcf4\ud1b5\uc8fc\uc790\ubcf8(CET1)\ube44\uc728 13%\ub97c \ub2ec\uc131\ud55c\ub2e4\ub294 \uacc4\ud68d\uc774\ub2e4. \uc55e\uc11c \ubc38\ub958\uc5c5 \ud504\ub85c\uadf8\ub7a8\uc744 \ud1b5\ud574 \uc911\uc7a5\uae30 \ubaa9\ud45c 13%\ub97c \uc81c\uc2dc\ud588\uc73c\ub098 \ub2ec\uc131 \uc2dc\uc810\uc744 \ud655\uc815\ud55c \uac74 \uc774\ubc88\uc774 \ucc98\uc74c\uc774\ub2e4. \uae30\uc874 \ubaa9\ud45c 12.5%\uc5d0 \uadfc\uc811\ud55c CET1\ube44\uc728\uc5d0 \ub3c4\ub2ec\ud558\uba74\uc11c \uc0c8 \ubaa9\ud45c\ub97c \uad6c\uccb4\ud654\ud588\ub2e4. \ubcf4\ud5d8\uc0ac \uc778\uc218\ub85c \uc778\ud55c CET1\ube44\uc728 [&hellip;]<\/p>\n","protected":false},"author":44,"featured_media":26063,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[922,8,611],"tags":[2260,1860,2261,1000,4493],"class_list":{"0":"post-26062","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-thebell","8":"category-compliance","9":"category-korea","10":"tag-cet1","11":"tag-1860","12":"tag-2261","13":"tag-1000","14":"tag-4493"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>CET1\ube44\uc728 \uc0c8 \ubaa9\ud45c &#039;13%&#039;, \uc790\ubcf8 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