{"id":29788,"date":"2025-06-10T14:21:22","date_gmt":"2025-06-10T05:21:22","guid":{"rendered":"https:\/\/www.sanctionlab.com\/?p=29788"},"modified":"2025-06-11T10:12:41","modified_gmt":"2025-06-11T01:12:41","slug":"kb%ea%b8%88%ec%9c%b5-%eb%b9%9b%eb%82%98%eb%8a%94-%ec%86%8c%eb%a7%a4%ea%b8%88%ec%9c%b5-%ea%b0%95%ec%9e%90-%eb%a9%b4%eb%aa%a8","status":"publish","type":"post","link":"https:\/\/www.sanctionlab.com\/?p=29788","title":{"rendered":"KB\uae08\uc735, \ube5b\ub098\ub294 ‘\uc18c\ub9e4\uae08\uc735 \uac15\uc790’ \uba74\ubaa8"},"content":{"rendered":"

|\u2460RWA \uac00\uc7a5 \ub9ce\uc9c0\ub9cc CET1\ube44\uc728 \ucd5c\uace0\u2026\uc704\ud5d8\uac00\uc911\uce58 \ub0ae\uc740 ‘\uac00\uacc4\ub300\ucd9c’ \uc911\uc2ec \ud3ec\ud2b8\uac00 \ud55c\ubaab<\/h3>\n

KB\uae08\uc735\uc740 \ub9ac\ub529\uae08\uc735\ub2f5\uac8c \uc8fc\uc694 \uc2dc\uc911\uc740\ud589\uc9c0\uc8fc \uc911 \uac00\uc7a5 \ud070 \uc704\ud5d8\uac00\uc911\uc790\uc0b0(RWA)\uc744 \ubcf4\uc720\ud558\uace0 \uc788\ub2e4. RWA \uaddc\ubaa8\ub9cc \ub193\uace0 \ubcf4\uba74 \uc790\ubcf8\ube44\uc728 \uad00\ub9ac\uc5d0 \uc560\ub97c \uba39\uc744 \ubc95\ub3c4 \ud558\uc9c0\ub9cc \ud0c0\uc758 \ucd94\uc885\uc744 \ubd88\ud5c8\ud558\ub294 \ubcf4\ud1b5\uc8fc\uc790\ubcf8(CET1)\ube44\uc728\uc744 \uc720\uc9c0\ud558\uace0 \uc788\ub2e4. \uc804\ud1b5\uc801\uc778 \uc18c\ub9e4\uae08\uc735 \uac15\uc790\ub85c \uc704\ud5d8\uac00\uc911\uce58\uac00 \ub0ae\uc740 \uac00\uacc4\ub300\ucd9c \uc911\uc2ec \uc790\uc0b0 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uac00 \uacbd\uc7c1\ub825 \uc6d0\ucc9c\uc774\ub2e4.<\/p>\n

\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uc704\uc8fc\ub85c \uc548\uc815\uc801\uc778 \uac00\uacc4\ub300\ucd9c \uc790\uc0b0\uc744 \uc6b4\uc601\ud558\uace0 \uc788\ub294 \ub9cc\ud07c \ubb34\ub9ac\ud574 \uc911\uc18c\uae30\uc5c5 \ub300\ucd9c\uc744 \ub298\ub9b4 \ud544\uc694\ub3c4 \uc5c6\uc5c8\ub2e4. \ub2e4\ub978 \uc2dc\uc911\uc740\ud589\uc774 \uc704\ud5d8\uac00\uc911\uce58\uac00 \ub192\uc740 \uc911\uc18c\uae30\uc5c5 \ub300\ucd9c \uc131\uc7a5\uacfc RWA \uad00\ub9ac \uc0ac\uc774\uc5d0\uc11c \ub51c\ub808\ub9c8\uc5d0 \ube60\uc9c4 \uac83\uacfc \ub300\uc870\uc801\uc774\ub2e4. \uc911\uc18c\uae30\uc5c5 \ub300\ucd9c\ub85c \ubd84\ub958\ub418\ub294 SOHO \ub300\ucd9c\ub3c4 \ubd80\ub3d9\uc0b0 \uc784\ub300\uc5c5 \uc911\uc2ec\uc73c\ub85c \uad6c\uc131\ub3fc \uc788\uc5b4 RWA \uad00\ub9ac\uac00 \uc218\uc6d4\ud558\ub2e4.<\/p>\n

\u25c7\ub2e8\ub2e8\ud788 \ubfcc\ub9ac\ub0b4\ub9b0 \uac00\uacc4\ub300\ucd9c, \uc790\ubcf8\ube44\uc728 \uc9c0\ud0f1<\/strong><\/p>\n

KB\uae08\uc735\uc740 \uc9c0\ub09c 1\ubd84\uae30 \uae30\uc900 CET1\ube44\uc728 13.68%\ub97c \uae30\ub85d\ud588\ub2e4. 13%\ub97c \uc801\uc815 \uc218\uc900\uc73c\ub85c \uc124\uc815\ud558\uace0 \uc788\ub2e4\ub294 \uc810\uc744 \uace0\ub824\ud558\uba74 \ub109\ub109\ud55c \ubc84\ud37c(buffer)\ub97c \ub450\uace0 CET1\ube44\uc728\uc774 \uad00\ub9ac\ub418\uace0 \uc788\ub2e4.<\/p>\n

\ub2e4\ub978 \uae08\uc735\uc9c0\uc8fc\uc640 \ube44\uad50\ud574\ub3c4 \ub192\uc740 \uc218\uc900\uc774\ub2e4. \uc9c0\ub09c 1\ubd84\uae30 \uc2e0\ud55c\uae08\uc735\uacfc \ud558\ub098\uae08\uc735\uc740 13.27%, \uc6b0\ub9ac\uae08\uc735\uc740 12.43%\ub97c \uae30\ub85d\ud588\ub2e4. KB\uae08\uc735\uc774 \uae08\uc735\uc9c0\uc8fc \ubc38\ub958\uc5c5 \ub300\uc7a5\uc8fc\ub85c \uaf3d\ud788\ub294 \uac83\ub3c4 \ub2e4\ub978 \uae08\uc735\uc9c0\uc8fc\uac00 \ub118\ubcf4\uae30 \uc5b4\ub824\uc6b4 CET1\ube44\uc728 \uc218\uc900 \ub355\ubd84\uc774\ub2e4.<\/p>\n

\"\"<\/div>\n

CET1\ube44\uc728 \ud558\ub77d \uc694\uc778\uc73c\ub85c \uc791\uc6a9\ud558\ub294 RWA\ub97c \ubcf4\uba74 KB\uae08\uc735\uc774 \uac00\uc7a5 \ub192\ub2e4. KB\uae08\uc735\uc740 1\ubd84\uae30 348\uc870\uc6d0\uc758 RWA\ub97c \uc6b4\uc601\ud558\uace0 \uc788\ub2e4. \uc774\uc5b4 \uc2e0\ud55c\uae08\uc735 345\uc870\uc6d0, \ud558\ub098\uae08\uc735 283\uc870\uc6d0, \uc6b0\ub9ac\uae08\uc735 233\uc870\uc6d0 \uc21c\uc774\ub2e4. \ube44\uc740\ud589 \uacc4\uc5f4\uc0ac \uaddc\ubaa8\uac00 \ud070 KB\uae08\uc735\uacfc \uc2e0\ud55c\uae08\uc735\uc758 RWA\uac00 \uc0c1\ub300\uc801\uc73c\ub85c \ud06c\ub2e4.<\/p>\n

RWA \uaddc\ubaa8\uac00 \ud06c\uc9c0\ub9cc CET1\ube44\uc728\uc744 \ud0c4\ud0c4\ud558\uac8c \uad00\ub9ac\ud560 \uc218 \uc788\ub294 \uc694\uc778\uc73c\ub85c \uc9c8\uc801\uc73c\ub85c \uc6b0\uc218\ud55c \uc790\uc0b0 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uac00 \uaf3d\ud78c\ub2e4. \ucd5c\uadfc RWA \uc131\uc7a5\ub960\uc744 \uc81c\ud55c\ud558\ub294 \ud2b8\ub80c\ub4dc\uac00 \uc790\ub9ac \uc7a1\uc558\uc73c\ub098 \uc2e4\uc801\uc744 \uac1c\uc120\ud574 \uc790\ubcf8\uc744 \ucd95\uc801\ud558\uace0 \uc8fc\uc8fc\ud658\uc6d0\uc744 \ub298\ub9ac\ub294 \uac74 \uae08\uc735\uc9c0\uc8fc\uc758 \uc219\uba85\uc774\ub2e4. KB\uae08\uc735\uc740 \uc2e4\uc801 \uc131\uc7a5\uc744 \ucd94\uad6c\ud558\ub418 RWA \ud655\ub300 \ubd80\ub2f4\uc740 \uc0c1\ub300\uc801\uc73c\ub85c \ub35c\ud55c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\ucd95\ud558\uace0 \uc788\ub2e4.<\/p>\n

\uac00\uacc4 \ub300\ucd9c\uc774 KB\uae08\uc735\uc758 \uacbd\uc7c1\ub825\uc774\ub2e4. RWA\uc5d0\uc11c \uac00\uc7a5 \ud070 \ube44\uc911\uc744 \ucc28\uc9c0\ud558\ub294 \uc2e0\uc6a9 RWA \ud30c\ud2b8\ub294 \ub300\ubd80\ubd84 \uc740\ud589 \uc6d0\ud654\ub300\ucd9c\ub85c \uad6c\uc131\ub3fc \uc788\ub2e4. KB\uad6d\ubbfc\uc740\ud589\uc740 \uc9c0\ub09c 1\ubd84\uae30 \uae30\uc900 \uc6d0\ud654\ub300\ucd9c\uae08 367\uc870\uc6d0 \uc911 179\uc870\uc6d0\uc744 \uac00\uacc4\uc5d0 \uc81c\uacf5\ud588\ub2e4. \uac00\uacc4\ub300\ucd9c \ube44\uc911\uc740 48.8%\ub85c \uc808\ubc18\uc5d0 \uc721\ubc15\ud55c\ub2e4. \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc740 109\uc870\uc6d0\uc73c\ub85c \uac00\uacc4\ub300\ucd9c \ub0b4 \ube44\uc911\uc774 \uac00\uc7a5 \ud06c\ub2e4.<\/p>\n

\uac00\uacc4\ub300\ucd9c\uc740 \uae30\uc5c5\ub300\ucd9c\uc5d0 \ube44\ud574 \uc704\ud5d8\uac00\uc911\uce58\uac00 \ub0ae\ub2e4. \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc758 \uacbd\uc6b0 \ub2f4\ubcf4\uc5d0 \ub530\ub77c RWA \uc704\ud5d8\uac00\uc911\uce58\ub97c 15%\uae4c\uc9c0 \ub0ae\ucdb0 \uc801\uc6a9\ud560 \uc218 \uc788\ub2e4. \ud1b5\uc0c1\uc801\uc73c\ub85c 15~50% \uc218\uc900\uc5d0\uc11c \uc704\ud5d8\uac00\uc911\uce58\uac00 \uc815\ud574\uc9c4\ub2e4. \uc81c\uacf5\ud558\ub294 \ub300\ucd9c \uae08\uc561\ubcf4\ub2e4 \uc791\uc740 \uaddc\ubaa8\ub85c RWA\uc774 \ucd94\uac00\ub418\ub294 \uc148\uc774\ub2e4. KB\uad6d\ubbfc\uc740\ud589 \uc790\uc0b0 \uc131\uc7a5\uc744 \uc720\uc9c0\ud558\ub418 RWA \uc99d\uac00 \ubd80\ub2f4\uc740 \ub0ae\ucd94\ub294 \uc120\uc21c\ud658 \uccb4\uacc4\ub97c \uac16\ucd94\uace0 \uc788\ub2e4.<\/p>\n

\ub2e4\ub978 \uc2dc\uc911\uc740\ud589\uacfc \ube44\uad50\ud574 KB\uad6d\ubbfc\uc740\ud589\uc758 \uac00\uacc4\ub300\ucd9c \ube44\uc911\uc740 \ub192\uc740 \ud3b8\uc774\ub2e4. \ud558\ub098\uc740\ud589\uc740 44.9%, \uc6b0\ub9ac\uc740\ud589\uc740 43.8%, \uc2e0\ud55c\uc740\ud589\uc740 43.2%\ub85c 40% \ucd08\uc911\ubc18\ub300\uc5d0 \uba38\ubb34\ub974\uace0 \uc788\ub2e4. \uc18c\ub9e4\uae08\uc735 \ud5e4\uac8c\ubaa8\ub2c8\ub97c \uc950\uace0 \uc788\ub294 KB\uad6d\ubbfc\uc740\ud589\uc758 \uc874\uc7ac\ub85c \ub2e4\ub978 \uc2dc\uc911\uc740\ud589\uc740 \ub9ac\ubc38\ub7f0\uc2f1\uc774 \uc27d\uc9c0 \uc54a\ub2e4. KB\uad6d\ubbfc\uc740\ud589 \uc678 \uc2dc\uc911\uc740\ud589\uc774 \uae30\uc5c5\uae08\uc735\uc73c\ub85c \ub208\uc744 \ub3cc\ub9ac\ub294 \uac83\ub3c4 \uc774 \ub54c\ubb38\uc774\ub2e4.<\/p>\n

\"\"<\/p>\n

\u25c7\uae30\uc5c5\uae08\uc735 \uc7c1\ud0c8\uc804 \ub290\uae0b\ud55c \uad00\ub9dd<\/strong><\/p>\n

2023~2024\ub144 \ud0c0\ud589\uc774 \uae30\uc5c5 \ub300\ucd9c\uc744 \ud655\ub300\ud558\uae30 \uc704\ud574 \uacfc\ub2f9 \uacbd\uc7c1\uc744 \ubc8c\uc77c \ub54c\ub3c4 \ub9ac\ud14c\uc77c\uc5d0 \uc790\uc2e0\uac10\uc744 \uac16\uace0 \uc788\ub294 KB\uad6d\ubbfc\uc740\ud589\uc740 \uc870\uae09\ud558\uc9c0 \uc54a\uc558\ub2e4. \uc9c0\ub09c 1\ubd84\uae30 \uc911\uc18c\uae30\uc5c5 \ub300\ucd9c \uc794\uc561 146\uc870\uc6d0\uc73c\ub85c 2022\ub144\ub9d0 \uc774\ud6c4 13\uc870\uc6d0(10%) \ub298\uc5c8\ub2e4. \uac19\uc740 \uae30\uac04 \uc6b0\ub9ac\uc740\ud589\uc774 19\uc870\uc6d0(16%), \uc2e0\ud55c\uc740\ud589\uc774 16\uc870\uc6d0(13%), \ud558\ub098\uc740\ud589\uc774 15\uc870\uc6d0(13%) \uc99d\uac00\ud55c \uac83\ubcf4\ub2e4 \uc791\uc740 \uc99d\uac00\ud3ed\uc774\ub2e4.<\/p>\n

KB\uad6d\ubbfc\uc740\ud589\uc774 \uc911\uc18c\uae30\uc5c5 \ub300\ucd9c \uc131\uc7a5 \uc18d\ub3c4\ub97c \uc870\uc808\ud55c \uac74 RWA \uad00\ub9ac\ub3c4 \uc5fc\ub450\uc5d0 \ub480\uae30 \ub54c\ubb38\uc774\ub2e4. \uc2e0\uc6a9\ub4f1\uae09\uc774 BB \uc774\ud558 \uc911\uc18c\uae30\uc5c5 \ub300\ucd9c\uc740 \uc704\ud5d8\uac00\uc911\uce58 150%\uac00 \uc801\uc6a9\ub41c\ub2e4. \ub300\ucd9c \uaddc\ubaa8\uc758 1.5\ubc30 \uae08\uc561\uc774 RWA\ub85c \uc7a1\ud78c\ub2e4. \ub300\uae30\uc5c5\uc5d0 \uc81c\uacf5\ud558\ub294 \ub300\ucd9c\uc5d0 \ube44\ud574 \uc218\ucde8\ud560 \uc218 \uc788\ub294 \uc774\uc790\ub294 \ub192\uc9c0\ub9cc RWA \uc99d\uac00\uc640 \uc790\ubcf8\ube44\uc728 \ud558\ub77d \ubd80\ub2f4\uc740 \ub354 \ud06c\ub2e4.<\/p>\n

\uc911\uc18c\uae30\uc5c5 \ub300\ucd9c \ub0b4 \uc18c\ud638 \ub300\ucd9c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub3c4 KB\uad6d\ubbfc\uc740\ud589\uc758 \uc790\ubcf8\ube44\uc728 \uad00\ub9ac\uc5d0 \ubcf4\ud0ec\uc774 \ub418\uace0 \uc788\ub2e4. KB\uad6d\ubbfc\uc740\ud589 \uc18c\ud638 \ub300\ucd9c \uae08\uc561\uc740 \uc9c0\ub09c 1\ubd84\uae30 94\uc870\uc6d0\uc73c\ub85c \uc911\uc18c\uae30\uc5c5 \ub300\ucd9c\uc758 64%\ub97c \ucc28\uc9c0\ud55c\ub2e4. \uc2e0\ud55c\uc740\ud589(50%), \ud558\ub098\uc740\ud589(42%), \uc6b0\ub9ac\uc740\ud589(36%)\ubcf4\ub2e4 \ube44\uc911\uc774 \ud06c\uace0 \ubd80\ub3d9\uc0b0 \uc784\ub300\uc5c5\uc790 \ub300\ucd9c \uc911\uc2ec\uc73c\ub85c \uc774\ub904\uc838 \uc788\ub2e4. \ubd80\ub3d9\uc0b0 \uc784\ub300\uc5c5\uc790 \ub300\ucd9c\uc740 \ub2f4\ubcf4 \uc874\uc7ac\ub85c \uc704\ud5d8\uac00\uc911\uce58\uac00 \ub0ae\ub2e4.<\/p>\n

\ud55c \uc2dc\uc911\uc740\ud589 \uc7ac\ubb34 \ub2f4\ub2f9 \uc784\uc6d0\uc740 “\uae08\uc735\uc9c0\uc8fc RWA \uc99d\uac10\uc5d0 \uac00\uc7a5 \ud070 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \uac74 \uc740\ud589 \uc6d0\ud654\ub300\ucd9c\uc778\ub370 KB\uad6d\ubbfc\uc740\ud589\uc740 \uc804\ud1b5\uc801\uc73c\ub85c \uc18c\ub9e4\uae08\uc735\uc5d0 \uac15\ud574 RWA\uc640 \uc790\ubcf8\ube44\uc728 \uad00\ub9ac\uc5d0 \uc6a9\uc774\ud55c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uad6c\ucd95\ud588\ub2e4”\uba70 “\uc911\uc18c\uae30\uc5c5 \ub300\ucd9c \uc794\uc561\ub3c4 \ucee4\ubcf4\uc774\uc9c0\ub9cc \ubd80\ub3d9\uc0b0 \uc784\ub300\uc5c5\uc790 \ub300\uc0c1 \uc18c\ud638 \ub300\ucd9c\uc774 \ud070 \uc601\ud5a5\uc73c\ub85c RWA \uad00\ub9ac\uc5d0\ub294 \ud070 \ubd80\ub2f4\uc774 \ub418\uc9c0 \uc54a\uc744 \uac83”\uc774\ub77c\uace0 \ub9d0\ud588\ub2e4.<\/p>\n

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

|\u2460RWA \uac00\uc7a5 \ub9ce\uc9c0\ub9cc CET1\ube44\uc728 \ucd5c\uace0\u2026\uc704\ud5d8\uac00\uc911\uce58 \ub0ae\uc740 ‘\uac00\uacc4\ub300\ucd9c’ \uc911\uc2ec \ud3ec\ud2b8\uac00 \ud55c\ubaab KB\uae08\uc735\uc740 \ub9ac\ub529\uae08\uc735\ub2f5\uac8c \uc8fc\uc694 \uc2dc\uc911\uc740\ud589\uc9c0\uc8fc \uc911 \uac00\uc7a5 \ud070 \uc704\ud5d8\uac00\uc911\uc790\uc0b0(RWA)\uc744 \ubcf4\uc720\ud558\uace0 \uc788\ub2e4. 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