{"id":31538,"date":"2025-06-24T16:15:49","date_gmt":"2025-06-24T07:15:49","guid":{"rendered":"https:\/\/www.sanctionlab.com\/?p=31538"},"modified":"2025-06-25T10:28:45","modified_gmt":"2025-06-25T01:28:45","slug":"ibk%ea%b8%b0%ec%97%85%ec%9d%80%ed%96%89-%eb%b0%b8%eb%a5%98%ec%97%85-%ec%b0%a8%ec%9b%90-rwa-%ec%84%b1%ec%9e%a5%eb%a5%a0-%ec%a1%b0%ec%a0%95-%ec%a1%b0%ec%a7%90","status":"publish","type":"post","link":"https:\/\/www.sanctionlab.com\/?p=31538","title":{"rendered":"IBK\uae30\uc5c5\uc740\ud589, \ubc38\ub958\uc5c5 \ucc28\uc6d0 ‘RWA \uc131\uc7a5\ub960’ \uc870\uc815 \uc870\uc9d0"},"content":{"rendered":"

|\uc704\ud5d8\uac00\uc911\uce58 \ub192\uc740 \uc911\uae30 \ub300\ucd9c \ube44\uc911 \uc555\ub3c4\uc801\u2026\uac08\uae38 \uba3c CET1\ube44\uc728, \uc18d\ub3c4 \uc870\uc808 \ud544\uc218<\/h3>\n

IBK\uae30\uc5c5\uc740\ud589\uc774 \uc704\ud5d8\uac00\uc911\uc790\uc0b0(RWA) \uad00\ub9ac \ubc29\uce68\uc5d0 \ubcc0\ud654\ub97c \uc900\ub2e4. \uc9c0\ub09c\ud574 \uae30\uc5c5\uac00\uce58 \uc81c\uace0 \uacc4\ud68d\uc744 \ubc1c\ud45c\ud558\ub294 \ub4f1 \ubc38\ub958\uc5c5 \ud504\ub85c\uadf8\ub7a8\uc744 \uac00\ub3d9\ud558\uba74\uc11c\ub2e4. \uc911\uc18c\uae30\uc5c5 \ub300\uc0c1 \ub300\ucd9c \uacf5\uae09\uc744 \ubaa9\uc801\uc73c\ub85c \uc124\ub9bd\ub41c \uad6d\ucc45\uc740\ud589\uc73c\ub85c \uae30\ub2a5\ud558\ub294 \ub3d9\uc2dc\uc5d0 \uc790\ubcf8\ube44\uc728\uc744 \uad00\ub9ac\ud558\uace0 \uc8fc\uc8fc\ud658\uc6d0\uc744 \ud655\ub300\ud558\ub294 \uc0c1\uc7a5\uc0ac \uc5ed\ud560\uc5d0\ub3c4 \ucda9\uc2e4\ud558\uae30\ub85c \ud588\ub2e4.<\/p>\n

\uc801\uc815 RWA \uc131\uc7a5\ub960\uc744 \ub3c4\ucd9c\ud558\ub294 \uac8c \ubc38\ub958\uc5c5 \uad00\uac74\uc774\ub2e4. IBK\uae30\uc5c5\uc740\ud589\uc740 \uc790\uc0b0 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 80% \uc774\uc0c1\uc744 \uc911\uc18c\uae30\uc5c5 \ub300\ucd9c\ub85c \uad6c\uc131\ud558\uace0 \uc788\ub2e4. \uc911\uc18c\uae30\uc5c5 \ub300\ucd9c\uc740 \ub300\uae30\uc5c5 \ub300\ucd9c\uc5d0 \ube44\ud574 \uc704\ud5d8\uac00\uc911\uce58\uac00 \ub192\uc9c0\ub9cc \uc124\ub9bd \ubaa9\uc801\uc73c\ub85c \uace0\ub824\ud558\uba74 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ub9ac\ubc38\ub7f0\uc2f1\uc740 \ud604\uc2e4\uc801\uc73c\ub85c \uc27d\uc9c0 \uc54a\ub2e4. RWA \uc131\uc7a5\ub960\uc744 \uc18c\ud3ed \ub0ae\ucd94\ub418 \uc218\uc775\uc131\uc744 \ub192\uc5ec \uc790\ubcf8\ube44\uc728\uc744 \uac1c\uc120\ud574\uc57c \ud55c\ub2e4.<\/p>\n

\u25c7\uc911\uc18c\uae30\uc5c5 \ud2b9\ud654 \uad6d\ucc45\uc740\ud589 \uc219\uba85, \ub192\uc740 RWA \uad00\ub9ac \ub09c\uc774\ub3c4<\/strong><\/p>\n

IBK\uae30\uc5c5\uc740\ud589\uc740 \uc9c0\ub09c 1\ubd84\uae30 RWA 256\uc8703221\uc5b5\uc6d0\uc744 \uae30\ub85d\ud588\ub2e4. \uc9c0\ub09c\ud574 \ub9d0 251\uc8704371\uc5b5\uc6d0\uc5d0 \ube44\ud574 1.9% \uc99d\uac00\ud588\ub2e4.<\/p>\n

\"\"<\/div>\n

IBK\uae30\uc5c5\uc740\ud589\uc758 RWA \uc131\uc7a5\ub960\uc740 \uc740\ud589\uad8c \ub0b4\uc5d0\uc11c \ub192\uc740 \uc218\uc900\uc774\ub2e4. 2020\ub144 6.6%, 2021\ub144 6.9%, 2022\ub144 7.9%\ub85c \uc6b0\uc0c1\ud5a5\ud588\ub2e4. 2023\ub144 7.2%\ub85c \uc8fc\ucda4\ud588\uc73c\ub098 2024\ub144 8.3%\ub85c \ubc18\ub4f1\ud588\ub2e4. \uc9c0\ub09c\ud574 \uc815\ubd80 \uc8fc\ub3c4 \ubc38\ub958\uc5c5 \ud504\ub85c\uadf8\ub7a8\uc774 \ubcf8\uaca9\ud654\ub418\uba74\uc11c \uc740\ud589\uad8c \uc0c1\uc7a5\uc0ac \uc804\ubc18\uc801\uc73c\ub85c RWA \uc131\uc7a5\uc744 \uc81c\ud55c\ud558\ub824\ub294 \uc6c0\uc9c1\uc784\uc774 \uc788\uc5c8\uc73c\ub098 IBK\uae30\uc5c5\uc740\ud589\uc740 \uc624\ud788\ub824 \uc131\uc7a5\ub960\uc744 \ub192\uc600\ub2e4. \uc62c 1\ubd84\uae30 \uc131\uc7a5\ub960 1.9%\ub3c4 1% \uc548\ud30e\uc758 \ub2e4\ub978 \uae08\uc735\uc0ac\uc5d0 \ube44\ud574 \ub192\uc740 \uc218\uc900\uc774\ub2e4.<\/p>\n

\uc911\uc18c\uae30\uc5c5 \ub300\ucd9c\uc774 \ud575\uc2ec\uc778 IBK\uae30\uc5c5\uc740\ud589 \uc790\uc0b0 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ud2b9\uc131\uc0c1 RWA \uc131\uc7a5\ub960\uc744 \ub0ae\ucd94\ub294 \uac74 \uc27d\uc9c0 \uc54a\uc740 \uc77c\uc774\ub2e4. \uc9c0\ub09c 1\ubd84\uae30 \uae30\uc900 IBK\uae30\uc5c5\uc740\ud589\uc758 \uc6d0\ud654\ub300\ucd9c \ud3ec\ud2b8\ud3f4\ub9ac\uc624(\uc911\uc18c\uae30\uc5c5 \ub300\ucd9c\uc740 \uc678\ud654 \ub300\ucd9c \ud3ec\ud568)\ub97c \ubcf4\uba74 \uc911\uc18c\uae30\uc5c5\uc774 82.5%\ub85c \uc555\ub3c4\uc801\uc778 \ube44\uc911\uc744 \ucc28\uc9c0\ud55c\ub2e4. \uc911\uc18c\uae30\uc5c5\uc758 \uacbd\uc6b0 \ub300\uae30\uc5c5\uc5d0 \ube44\ud574 \uc2e0\uc6a9\ub4f1\uae09\uc774 \ub0ae\uc544 RWA \uc0b0\uc815\uc2dc \uc704\ud5d8\uac00\uc911\uce58\uac00 \ub192\uac8c \uc801\uc6a9\ub41c\ub2e4.<\/p>\n

\ub2e4\ub9cc IBK\uae30\uc5c5\uc740\ud589\uc774 \uc0c1\uc7a5\uc0ac\ub77c\ub294 \uc810\uc5d0\uc11c RWA \uc131\uc7a5\ub960\uc744 \uc801\uc815 \uc218\uc900\uc73c\ub85c \uc870\uc815\ud574\uc57c \ud55c\ub2e4\ub294 \uacac\ud574\ub3c4 \uc874\uc7ac\ud55c\ub2e4. RWA \uc99d\uac00\ub294 \ubcf4\ud1b5\uc8fc\uc790\ubcf8(CET1)\ube44\uc728 \ud558\ub77d \uc694\uc778\uc73c\ub85c \uc791\uc6a9\ud558\uace0, CET1\ube44\uc728 \ud558\ub77d\uc740 \uc8fc\uc8fc\ud658\uc6d0 \uaddc\ubaa8 \ucd95\uc18c\ub85c \uc774\uc5b4\uc9c0\uae30 \ub54c\ubb38\uc774\ub2e4. \uad6d\ucc45\uc740\ud589\uc73c\ub85c \ucc45\uc784\uc744 \ub2e4\ud558\ub294 \ub3d9\uc2dc\uc5d0 \uc0c1\uc7a5\uc0ac\ub85c \uc8fc\uc8fc\ub97c \ucc59\uae30\ub294 \uac83\ub3c4 \uc18c\ud640\ud574\uc11c\ub294 \uc548\ub41c\ub2e4\ub294 \uac83\uc774\ub2e4.<\/p>\n

\"\"<\/div>\n

\u25c7\uc62c 1\ubd84\uae30 RWA \uc131\uc7a5\ub960 1.9%, \uc804\ub144 \ub3d9\uae30 \ub300\ube44 \ud558\ud5a5 \uc870\uc815<\/strong><\/p>\n

IBK\uae30\uc5c5\uc740\ud589\uc758 \uc62c 1\ubd84\uae30 RWA \uc131\uc7a5\ub960 1.9%\ub294 \ub2e4\ub978 \uae08\uc735\uc0ac\uc5d0 \ube44\ud574 \ub192\uc73c\ub098 \uc804\ub144 \ub3d9\uae30\uc640 \ube44\uad50\ud558\uba74 \ub0ae\uc740 \uc218\uc900\uc774\ub2e4. IBK\uae30\uc5c5\uc740\ud589\uc740 \uc9c0\ub09c\ud574 1\ubd84\uae30 RWA\ub97c 5\uc8708830\uc5b5\uc6d0 \ub298\ub838\ub2e4. \uc131\uc7a5\ub960\uc740 2.5%\ub2e4. \uc62c 1\ubd84\uae30\uc5d0\ub294 60bp\uac00\ub7c9 \ub0ae\uc544\uc9c4 \uc148\uc774\ub2e4.<\/p>\n

\uc9c0\ub09c\ud574 \uac00\ub3d9\ub41c \ubc38\ub958\uc5c5 \ud504\ub85c\uadf8\ub7a8\uc744 \uac10\uc548\ud55c RWA \uc131\uc7a5\ub960 \uc870\uc815 \uc791\uc5c5\uc73c\ub85c \ud480\uc774\ub41c\ub2e4. IBK\uae30\uc5c5\uc740\ud589\uc740 \uae30\uc5c5\uac00\uce58 \uc81c\uace0 \uacc4\ud68d\uc744 \ubc1c\ud45c\ud558\uace0 CET1\ube44\uc728\uc5d0 \uc5f0\ub3d9\ud574 \ubc30\ub2f9 \uc131\ud5a5\uc744 \ub298\ub9ac\uae30\ub85c \ud588\ub2e4. CET1\ube44\uc728\uc774 1\uad6c\uac04(11% \ubbf8\ub9cc)\uc77c \ub54c\ub294 30%, 2\uad6c\uac04(12% \ubbf8\ub9cc)\uc77c \ub54c\ub294 35%, 3\uad6c\uac04(12.5%) \ubbf8\ub9cc\uc77c \ub54c\ub294 40%\uae4c\uc9c0 \ubc30\ub2f9 \uc131\ud5a5\uc744 \ub192\uc77c \uacc4\ud68d\uc774\ub2e4.<\/p>\n

\uc9c0\ub09c 1\ubd84\uae30 \uae30\uc900 IBK\uae30\uc5c5\uc740\ud589 CET1\ube44\uc728\uc740 11.4%\ub85c 2\uad6c\uac04\uc5d0 \uba38\ubb34\ub974\uace0 \uc788\ub2e4. \uc774\uac19\uc740 \uc790\ubcf8\ube44\uc728\uc774 \uc720\uc9c0\ub418\uba74 \ubc30\ub2f9 \uc131\ud5a5\uc740 30~35% \uc0ac\uc774\uc5d0\uc11c \uacb0\uc815\ub420 \uac83\uc73c\ub85c \uad00\uce21\ub41c\ub2e4. \ub2e4\ub978 \uc0c1\uc7a5 \uae08\uc735\uc9c0\uc8fc\uac00 \ubc30\ub2f9\uacfc \uc790\uc0ac\uc8fc \ub9e4\uc785\u00b7\uc18c\uac01\uc744 \ubaa8\ub450 \uac10\uc548\ud55c \ucd1d\uc8fc\uc8fc\ud658\uc6d0\uc728 40~50% \uc218\uc900\uc744 \ubaa9\ud45c\ub85c \ud558\uace0 \uc788\ub2e4\ub294 \uc810\uc744 \uace0\ub824\ud558\uba74 \ub0ae\uc740 \uc218\uc900\uc774\ub2e4.<\/p>\n

RWA \uc131\uc7a5\ub960\uc744 \uac00\ub2a5\ud55c \uc120\uc5d0\uc11c \uc870\uc815\ud558\uace0 \uc218\uc775\uc131\uc744 \uac1c\uc120\ud574 \uc8fc\uc8fc\ud658\uc6d0\uc744 \uac15\ud654\ud574\uc57c \uae30\uc5c5\uac00\uce58 \uc81c\uace0\uac00 \uac00\ub2a5\ud558\ub2e4. IBK\uae30\uc5c5\uc740\ud589\uc740 \uc6b0\ud558\ud5a5 \ucd94\uc138\uc778 \uc790\uae30\uc790\ubcf8\uc774\uc775\ub960(ROE)\uc744 \ube44\ub86f\ud55c \uc218\uc775\uc131 \uc9c0\ud45c\ub97c \uac1c\uc120\ud55c\ub2e4\ub294 \ubc29\uce68\uc774\ub2e4. ROE\ub294 2022\ub144 9.5%, 2023\ub144 8.75%, 2024\ub144 8.07%\ub85c \ud558\ub77d\uc138\ub2e4. RWA\ub97c \uac10\uc548\ud55c \uc218\uc775\uc131 \uc9c0\ud45c\uc778 \uc704\ud5d8\uac00\uc911\uc790\uc0b0\uc774\uc775\ub960(RoRWA)\ub3c4 \uad00\ub9ac \ub300\uc0c1\uc774\ub2e4.<\/p>\n

\"\"
*\ucd9c\ucc98=IBK\uae30\uc5c5\uc740\ud589<\/figcaption><\/figure>\n

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

|\uc704\ud5d8\uac00\uc911\uce58 \ub192\uc740 \uc911\uae30 \ub300\ucd9c \ube44\uc911 \uc555\ub3c4\uc801\u2026\uac08\uae38 \uba3c CET1\ube44\uc728, \uc18d\ub3c4 \uc870\uc808 \ud544\uc218 IBK\uae30\uc5c5\uc740\ud589\uc774 \uc704\ud5d8\uac00\uc911\uc790\uc0b0(RWA) \uad00\ub9ac \ubc29\uce68\uc5d0 \ubcc0\ud654\ub97c \uc900\ub2e4. \uc9c0\ub09c\ud574 \uae30\uc5c5\uac00\uce58 \uc81c\uace0 \uacc4\ud68d\uc744 \ubc1c\ud45c\ud558\ub294 \ub4f1 \ubc38\ub958\uc5c5 \ud504\ub85c\uadf8\ub7a8\uc744 \uac00\ub3d9\ud558\uba74\uc11c\ub2e4. \uc911\uc18c\uae30\uc5c5 \ub300\uc0c1 \ub300\ucd9c \uacf5\uae09\uc744 \ubaa9\uc801\uc73c\ub85c \uc124\ub9bd\ub41c \uad6d\ucc45\uc740\ud589\uc73c\ub85c \uae30\ub2a5\ud558\ub294 \ub3d9\uc2dc\uc5d0 \uc790\ubcf8\ube44\uc728\uc744 \uad00\ub9ac\ud558\uace0 \uc8fc\uc8fc\ud658\uc6d0\uc744 \ud655\ub300\ud558\ub294 \uc0c1\uc7a5\uc0ac \uc5ed\ud560\uc5d0\ub3c4 \ucda9\uc2e4\ud558\uae30\ub85c \ud588\ub2e4. \uc801\uc815 RWA \uc131\uc7a5\ub960\uc744 \ub3c4\ucd9c\ud558\ub294 \uac8c \ubc38\ub958\uc5c5 \uad00\uac74\uc774\ub2e4. IBK\uae30\uc5c5\uc740\ud589\uc740 \uc790\uc0b0 \ud3ec\ud2b8\ud3f4\ub9ac\uc624\uc758 80% \uc774\uc0c1\uc744 […]<\/p>\n","protected":false},"author":44,"featured_media":31539,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[922,8,611],"tags":[3979,1364,5202,4493,3878],"class_list":{"0":"post-31538","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-rwa","11":"tag-1364","12":"tag-5202","13":"tag-4493","14":"tag-3878"},"yoast_head":"\nIBK\uae30\uc5c5\uc740\ud589, \ubc38\ub958\uc5c5 \ucc28\uc6d0 'RWA \uc131\uc7a5\ub960' \uc870\uc815 \uc870\uc9d0 SanctionLab<\/title>\n<meta name=\"description\" content=\"IBK\uae30\uc5c5\uc740\ud589\uc774 \uc704\ud5d8\uac00\uc911\uc790\uc0b0(RWA) \uad00\ub9ac \ubc29\uce68\uc5d0 \ubcc0\ud654\ub97c \uc900\ub2e4. \uc9c0\ub09c\ud574 \uae30\uc5c5\uac00\uce58 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content=\"291\" \/>\n\t<meta property=\"og:image:height\" content=\"302\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"the bell\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\uae00\uc4f4\uc774\" \/>\n\t<meta name=\"twitter:data1\" content=\"the bell\" \/>\n\t<meta name=\"twitter:label2\" content=\"\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 \uc2dc\uac04\" \/>\n\t<meta name=\"twitter:data2\" content=\"3\ubd84\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.sanctionlab.com\/?p=31538#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.sanctionlab.com\/?p=31538\"},\"author\":{\"name\":\"the bell\",\"@id\":\"https:\/\/www.sanctionlab.com\/#\/schema\/person\/17d7f03620d8d417748dab41644ff547\"},\"headline\":\"IBK\uae30\uc5c5\uc740\ud589, \ubc38\ub958\uc5c5 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