{"id":35698,"date":"2025-07-29T15:54:28","date_gmt":"2025-07-29T06:54:28","guid":{"rendered":"https:\/\/www.sanctionlab.com\/?p=35698"},"modified":"2025-07-30T11:00:15","modified_gmt":"2025-07-30T02:00:15","slug":"kb%ea%b8%88%ec%9c%b5-%ec%97%85%ea%b3%84-%ec%b5%9c%ea%b3%a0-%ec%9e%90%eb%b3%b8%eb%b9%84%ec%9c%a8-%eb%b0%b0%ea%b2%bd%ec%97%94-%ec%99%84%ec%84%b1%ed%98%95-%ed%8f%ac%ed%8a%b8%ed%8f%b4%eb%a6%ac%ec%98%a4","status":"publish","type":"post","link":"https:\/\/www.sanctionlab.com\/?p=35698","title":{"rendered":"KB\uae08\uc735, \uc5c5\uacc4 \ucd5c\uace0 \uc790\ubcf8\ube44\uc728 \ubc30\uacbd\uc5d4 ‘\uc644\uc131\ud615 \ud3ec\ud2b8\ud3f4\ub9ac\uc624’"},"content":{"rendered":"

|\u2460KB\uc190\ubcf4, RWA \uc801\uac8c \ub298\uace0 \uc790\ubcf8 \ucd95\uc801 \uae30\uc5ec\u2026\uad6d\ubbfc\uc740\ud589, \ud0c0\ud589 \ub300\ube44 \uc704\ud5d8\uac00\uc911\uce58 \ub0ae\uc740 \uc790\uc0b0\uad70<\/h3>\n

KB\uae08\uc735\uc774 \ud0c0\uc758 \ucd94\uc885\uc744 \ubd88\ud5c8\ud558\ub294 \uc790\ubcf8\ube44\uc728 \uace0\uacf5 \ud589\uc9c4\uc744 \uc774\uc5b4\uac00\uace0 \uc788\ub2e4. \uc5c5\uacc4 \ucd5c\uace0 \uc218\uc900\uc758 \ubcf4\ud1b5\uc8fc\uc790\ubcf8(CET1)\ube44\uc728\uc5d0 \ub3c4\ub2ec\ud588\uc744 \ubfd0\ub9cc \uc544\ub2c8\ub77c \uad6c\uc870\uc801\uc73c\ub85c \uc548\uc815\uc801\uc778 \uad00\ub9ac\uac00 \uac00\ub2a5\ud55c ‘\uc644\uc131\ud615 \ud3ec\ud2b8\ud3f4\ub9ac\uc624’\ub97c \uad6c\ucd95\ud588\ub2e4\ub294 \ud3c9\uac00\uac00 \ub098\uc628\ub2e4. \uc9c0\ub09c 10\ub144\uac04 \ube44\uc740\ud589 \uc8fc\ucd95 \uacc4\uc5f4\uc0ac\ub85c \uc790\ub9ac\ub9e4\uae40\ud55c KB\uc190\ud574\ubcf4\ud5d8\uc758 \uc874\uc7ac\uac00 \uafb8\uc900\ud55c \uc6b0\uc0c1\ud5a5\uc744 \ub4b7\ubc1b\uce68\ud558\uace0 \uc788\ub2e4.<\/p>\n

\uadf8\ub8f9 \ub9cf\ud615 \uaca9\uc778 KB\uad6d\ubbfc\uc740\ud589\ub3c4 \ud0c4\ud0c4\ud55c CET1\ube44\uc728 \uad00\ub9ac\uc5d0 \uc77c\uc870\ud558\uace0 \uc788\ub2e4. \uc740\ud589 \uacc4\uc5f4\uc0ac\ub294 \ub300\ucd9c\uc5d0 \ub530\ub978 \uc704\ud5d8\uac00\uc911\uc790\uc0b0(RWA) \uc99d\uac00\ub85c \uc790\ubcf8\ube44\uc728 \uad00\ub9ac \ubd80\ub2f4\uc744 \uac00\uc911\uc2dc\ud0a8\ub2e4. \uadf8\ub7fc\uc5d0\ub3c4 KB\uad6d\ubbfc\uc740\ud589\uc740 \ud0c0\ud589 \ub300\ube44 \uc704\ud5d8\uac00\uc911\uce58\uac00 \ub0ae\uc740 \uc790\uc0b0 \uc911\uc2ec\uc73c\ub85c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc6b4\uc6a9\ud558\uace0 \uc788\ub2e4. \uc0c1\ub300\uc801\uc73c\ub85c RWA \uc99d\uac00\uc5d0 \ub530\ub978 \ubd80\ub2f4\uc740 \uc801\uace0 \uc790\ubcf8 \ucd95\uc801\uc5d0\ub294 \ub354 \uae30\uc5ec\ud560 \uc218 \uc788\ub294 \uad6c\uc870\ub2e4.<\/p>\n

\u25c7\uc724\uc885\uaddc\u00b7\uc591\uc885\ud76c\uc758 \ud070 \uadf8\ub9bc\u2026CET1 \uc6b0\uc0c1\ud5a5 \ub4b7\ubc1b\uce68\ud55c LIG\uc190\ubcf4 \uc778\uc218<\/strong><\/p>\n

\"\"<\/div>\n

KB\uae08\uc735\uc740 \uc9c0\ub09c 2\ubd84\uae30 CET1\ube44\uc728 13.74%\ub97c \uae30\ub85d\ud588\ub2e4. 1\ub144 \uc804 13.6%\ub97c \uae30\ub85d\ud55c \uc774\ud6c4 5\uac1c \ubd84\uae30 \uc5f0\uc18d\uc73c\ub85c 13.5%\ub97c \uc6c3\ub3c4\ub294 CET1\ube44\uc728\uc744 \uae30\ub85d\ud558\uace0 \uc788\ub2e4. 13.5%\ub97c \ucd08\uacfc\ud558\ub294 \uc790\ubcf8\uc740 \uc8fc\uc8fc\ud658\uc6d0 \uc7ac\uc6d0\uc73c\ub85c \ud65c\uc6a9\ud574 13.5~14% \uad6c\uac04\uc5d0\uc11c CET1\ube44\uc728\uc744 \uc720\uc9c0\ud558\uace0 \uc788\ub2e4.<\/p>\n

KB\uae08\uc735\uc758 CET1\ube44\uc728 \uace0\uacf5\ud589\uc9c4 \ubc30\uacbd\uc5d0\ub294 \ub192\uc740 \ube44\uc740\ud589 \uae30\uc5ec\ub3c4\uac00 \uc790\ub9ac\ud55c\ub2e4. \uc0c1\ubc18\uae30 \uae30\uc900\uc73c\ub85c \ubd80\ubb38\ubcc4 \uc21c\uc774\uc775 \uae30\uc5ec\ub3c4\ub97c \ubcf4\uba74 \uc740\ud589 \ubd80\ubb38\uc774 61%, \ube44\uc740\ud589 \ubd80\ubb38\uc774 39%\ub97c \uae30\ub85d\ud588\ub2e4. \uc62c \uc0c1\ubc18\uae30 \ubfd0\ub9cc \uc544\ub2c8\ub77c \uc218\ub144\uc9f8 \uc21c\uc774\uc775\uc758 40%\uac00\ub7c9\uc744 \ube44\uc740\ud589 \ubd80\ubd84\uc774 \ucc45\uc784\uc9c0\ub294 \uad6c\uc870\uac00 \ub9cc\ub4e4\uc5b4\uc84c\ub2e4. \uc5c5\ud669 \uae30\ubcf5\uc5d0 \uacc4 \uc5c6\uc774 \uafb8\uc900\uc774 \uc21c\uc775\uc744 \uc62c\ub9ac\uace0 \uc790\ubcf8\uc744 \ucd95\uc801\uc2dc\ud0ac \uc218 \uc788\ub294 \uac83\uc774\ub2e4.<\/p>\n

\ube44\uc740\ud589 \uacc4\uc5f4\uc0ac \uc911\uc5d0\uc11c\ub3c4 KB\uc190\ubcf4\uac00 \ud6a8\uc790 \ub178\ub987\uc744 \ud1a1\ud1a1\ud788 \ud558\uace0 \uc788\ub2e4. KB\uc190\ubcf4\ub294 KB\uae08\uc735\uacfc \ub2e4\ub978 \uae08\uc735\uadf8\ub8f9 \uac04 CET1\ube44\uc728 \uaca9\ucc28\ub97c \ubc8c\ub824\uc8fc\ub294 \ube44\ubc00\ubcd1\uae30 \uc5ed\ud560\uc744 \ud558\uace0 \uc788\ub2e4. \uc2e0\ud55c\uae08\uc735, \ud558\ub098\uae08\uc735, \uc6b0\ub9ac\uae08\uc735\uc774 \uc190\ubcf4\uc0ac\uac00 \uc5c6\uac70\ub098 \uc874\uc7ac\uac10\uc774 \ubbf8\ubbf8\ud55c \uac83\uacfc \ub2ec\ub9ac KB\uc190\ubcf4\ub294 \uadf8\ub8f9 \uc21c\uc774\uc775\uc758 10~20%\ub97c \ucc28\uc9c0\ud558\ub294 \uc8fc\ucd95\uc73c\ub85c \uc790\ub9ac\ub9e4\uae40\ud588\ub2e4.<\/p>\n

\uc190\ubcf4\uc0ac\ub294 CET1\ube44\uc728 \uc81c\uace0\uc5d0 \ucd5c\uc801\ud654\ub41c \uc7ac\ubb34 \uad6c\uc870\ub97c \uac16\uace0 \uc788\ub2e4. \ub300\ucd9c, \uc2e0\uc6a9\uacf5\uc5ec, \ud30c\uc0dd\uc0c1\ud488 \ub4f1 \uace0\uc704\ud5d8 \uc790\uc0b0 \ube44\uc911\uc774 \ub192\uc544 RWA \uc99d\uac00 \uc18d\ub3c4\uac00 \ube60\ub978 \uc740\ud589\uc774\ub098 \uc99d\uad8c\uc0ac\uc640 \ub2ec\ub9ac \uc190\ubcf4\uc0ac\ub294 \uc790\uc0b0 \ub300\ubd80\ubd84\uc744 \uad6d\uacf5\ucc44, \ud68c\uc0ac\ucc44 \uac19\uc740 \uc548\uc804 \uc790\uc0b0\uc5d0 \ud22c\uc790\ud55c\ub2e4. \uc190\ubcf4\uc0ac \uc678\ud615\uc774 \ucee4\uc9c4\ub2e4 \ud574\ub3c4 RWA \uc99d\uac00 \ubd80\ub2f4\uc740 \ub35c\ud558\uace0 \uc21c\uc774\uc775\uc744 \uc790\ubcf8\uc73c\ub85c \ucd95\uc801\ud574 CET1\ube44\uc728 \uc0c1\uc2b9\uc5d0 \uae30\uc5ec\ud560 \uc218 \uc788\ub2e4.<\/p>\n

\ud68c\uacc4 \uae30\uc900\ub3c4 \uc740\ud589\uacfc \uc99d\uad8c\uc5d0 \ube44\ud574 \uc190\ubcf4\uc0ac\uac00 \uc720\ub9ac\ud558\ub2e4. \uc740\ud589\uacfc \uc99d\uad8c\uc740 BIS(\uad6d\uc81c\uacb0\uc81c\uc740\ud589) \uae30\uc900\uc5d0 \ub530\ub77c RWA \uc99d\uac00\ub97c \uc778\uc2dd\ud574\uc57c \ud55c\ub2e4. \uc190\ubcf4\uc0ac\uc758 \uacbd\uc6b0 \uc2e0\uc9c0\uae09\uc5ec\ub825\uc81c\ub3c4(\ud0a5\uc2a4)\ub97c \uae30\uc900\uc73c\ub85c \ud558\ub294\ub370 \uc774\ub294 \uc790\uc0b0\ubcf4\ub2e4\ub294 \ubd80\ucc44\uc5d0 \ucd08\uc810\uc744 \ub9de\ucd94\uace0 \uc788\ub2e4. \ucd94\ud6c4 \uc9c0\uae09\ud560 \uae08\uc561\uc744 \uc804\ubd80 \ubd80\ucc44\ub85c \uc778\uc2dd\ud574 \uc790\ubcf8 \ucd95\uc801 \ubd80\ub2f4\uc774 \ucef8\ub358 \uae30\uc874 \ubc29\ubc95\uacfc \ub2ec\ub9ac \uc774\uc820 \uce21\uc815\ub41c \ub9ac\uc2a4\ud06c\uc5d0 \ub530\ub77c \ubd80\ucc44\ub97c \ub35c \uc778\uc2dd\ud560 \uc218 \uc788\uc5b4 RWA \ubd80\ub2f4\uc774 \uc644\ud654\ub41c\ub2e4.<\/p>\n

\uacb0\uacfc\uc801\uc73c\ub85c 10\uc5ec\ub144 \uc804 \uc724\uc885\uaddc \uc804 KB\uae08\uc735 \ud68c\uc7a5\uacfc \uc591\uc885\ud76c \ud68c\uc7a5\uc774 \uadf8\ub9b0 \ud070 \uadf8\ub9bc\uc774 \uc790\ubcf8\ube44\uc728 \uacbd\uc7c1\ub825\uc744 \uac16\ucd98 KB\uae08\uc735\uc744 \ub9cc\ub4e4\uc5c8\ub2e4\ub294 \ud3c9\uac00\uac00 \ub098\uc628\ub2e4. \uc724 \uc804 \ud68c\uc7a5\uc740 2014\ub144 \uc61b LIG\uc190\ud574\ubcf4\ud5d8 \uc778\uc218\uc5d0 \uc131\uacf5\ud558\uba74\uc11c \uc190\ubcf4\uc0ac \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \ucd94\uac00\ud588\ub2e4. \uc591 \ud68c\uc7a5\uc740 \uc9c0\uc8fc \uc804\ub7b5 \ub2f4\ub2f9 \uc784\uc6d0\uc73c\ub85c \uc778\uc218\uc804\uc5d0\uc11c \ud65c\uc57d\ud588\uace0 \ud1b5\ud569 KB\uc190\ubcf4 \ucd08\ub300 \ub300\ud45c\ub97c \ub9e1\uc740 \uc778\ubb3c\uc774\ub2e4. \uc774\ub4e4\uc774 \uc5c5\uacc4 \ucd5c\uace0 \uc218\uc900\uc758 \ubc38\ub958\uc5c5 \ud504\ub85c\uadf8\ub7a8 \uc8fc\ucda7\ub3cc\uc744 \ub9c8\ub828\ud588\ub2e4 \ud574\ub3c4 \uacfc\uc5b8\uc774 \uc544\ub2c8\ub2e4.<\/p>\n

\u25c7\uc704\ud5d8\uac00\uc911\uce58 \ub0ae\uc740 \uac00\uacc4\ub300\ucd9c \ube44\uc911 ‘49%’<\/strong><\/p>\n

KB\uc190\ubcf4\uc758 \uc57d\uc9c4\uc73c\ub85c KB\uad6d\ubbfc\uc740\ud589\uc5d0 \ub300\ud55c \uc758\uc874\ub3c4\uac00 \ub0ae\uc544\uc84c\ub2e4. \uc740\ud589 \uacc4\uc5f4\uc0ac\ub294 \uae08\uc735\uadf8\ub8f9 \uc2e4\uc801\uc5d0\uc11c \uac00\uc7a5 \ud070 \ubd80\ubd84\uc744 \ucc28\uc9c0\ud558\uc9c0\ub9cc \ub3d9\uc2dc\uc5d0 \ub300\uaddc\ubaa8 RWA \uc99d\uac00\ub85c CET1\uad00\ub9ac \ub09c\uc774\ub3c4\ub97c \ub192\uc774\uae30\ub3c4 \ud55c\ub2e4. \uc2e0\ud55c\uc740\ud589\uacfc \uc6b0\ub9ac\uc740\ud589\uc774 \uc62c \uc0c1\ubc18\uae30 \uae30\uc5c5\ub300\ucd9c \uc5ed\uc131\uc7a5\uc744 \uac10\uc218\ud558\uba70 RWA\ub97c \uc904\uc778 \uac83\ub3c4 \uadf8\ub8f9 CET1\ube44\uc728 \uc81c\uace0\uc5d0 \uae30\uc5ec\ud558\uae30 \uc704\ud574\uc11c\ub2e4.<\/p>\n

KB\uad6d\ubbfc\uc740\ud589\uc740 \uadf8\ub8f9 \ub0b4 \uc758\uc874\ub3c4\ub3c4 \ub2e4\ub978 \uae08\uc735\uc9c0\uc8fc\uc5d0 \ube44\ud574 \ub0ae\uc9c0\ub9cc \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub3c4 CET1\ube44\uc728 \uad00\ub9ac\uc5d0 \uc801\ud569\ud558\ub2e4\ub294 \ud3c9\uac00\ub97c \ubc1b\ub294\ub2e4. \uac00\uacc4\ub300\ucd9c\uc774 \uc6d0\ud654 \ub300\ucd9c \ub0b4\uc5d0\uc11c \ucc28\uc9c0\ud558\ub294 \ube44\uc911\uc774 \ud0c0\ud589 \ub300\ube44 \ub192\uae30 \ub54c\ubb38\uc774\ub2e4. KB\uad6d\ubbfc\uc740\ud589 \uac00\uacc4\ub300\ucd9c\uc740 \uc62c \uc0c1\ubc18\uae30 181\uc870\uc6d0\uc73c\ub85c \uc804\uccb4 \uc6d0\ud654\ub300\ucd9c\uc5d0\uc11c 49% \ube44\uc911\uc744 \ucc28\uc9c0\ud55c\ub2e4. \ub2e4\ub978 \uc2dc\uc911\uc740\ud589\uc758 \uacbd\uc6b0 40%\ucd08\uc911\ubc18\ub300\uc5d0 \uba38\ubb34\ub974\uace0 \uc788\ub2e4.<\/p>\n

\uc2e0\uc6a9\ub4f1\uae09\uc774 \ub0ae\uc740 \uc911\uc18c\uae30\uc5c5\uc758 \uacbd\uc6b0 150%\ub97c \uc6c3\ub3c4\ub294 \uc704\ud5d8\uac00\uc911\uce58\uac00 \uc801\uc6a9\ub418\ub294 \ubc18\uba74 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc740 15% \uc218\uc900\uc774\ub2e4. \uc911\uae30 \ub300\ucd9c \uc704\ud5d8\uac00\uc911\uce58\uac00 10\ubc30 \uac00\ub7c9 \ub192\uc740 \uc148\uc778\ub370 KB\uad6d\ubbfc\uc740\ud589\uc740 \uac00\uacc4\ub300\ucd9c \uc911\uc2ec\uc73c\ub85c \uc2e4\uc801\uc744 \uad00\ub9ac\ud560 \uc218 \uc788\uc5b4 \ud0c0\ud589 \ub300\ube44 \uc720\ub9ac\ud55c \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub2e4. \uc62c\ud574 \uc8fc\ub2f4\ub300 \uaddc\uc81c\uac00 \uac15\ud654\ub418\ub294 \ud658\uacbd\uc5d0 \uc801\uc751\ud558\ub294 \uac8c \uc790\ubcf8\ube44\uc728 \uacbd\uc7c1\ub825 \uc720\uc9c0 \uad00\uac74\uc774\ub2e4.<\/p>\n

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

|\u2460KB\uc190\ubcf4, RWA \uc801\uac8c \ub298\uace0 \uc790\ubcf8 \ucd95\uc801 \uae30\uc5ec\u2026\uad6d\ubbfc\uc740\ud589, \ud0c0\ud589 \ub300\ube44 \uc704\ud5d8\uac00\uc911\uce58 \ub0ae\uc740 \uc790\uc0b0\uad70 KB\uae08\uc735\uc774 \ud0c0\uc758 \ucd94\uc885\uc744 \ubd88\ud5c8\ud558\ub294 \uc790\ubcf8\ube44\uc728 \uace0\uacf5 \ud589\uc9c4\uc744 \uc774\uc5b4\uac00\uace0 \uc788\ub2e4. \uc5c5\uacc4 \ucd5c\uace0 \uc218\uc900\uc758 \ubcf4\ud1b5\uc8fc\uc790\ubcf8(CET1)\ube44\uc728\uc5d0 \ub3c4\ub2ec\ud588\uc744 \ubfd0\ub9cc \uc544\ub2c8\ub77c \uad6c\uc870\uc801\uc73c\ub85c \uc548\uc815\uc801\uc778 \uad00\ub9ac\uac00 \uac00\ub2a5\ud55c ‘\uc644\uc131\ud615 \ud3ec\ud2b8\ud3f4\ub9ac\uc624’\ub97c \uad6c\ucd95\ud588\ub2e4\ub294 \ud3c9\uac00\uac00 \ub098\uc628\ub2e4. \uc9c0\ub09c 10\ub144\uac04 \ube44\uc740\ud589 \uc8fc\ucd95 \uacc4\uc5f4\uc0ac\ub85c \uc790\ub9ac\ub9e4\uae40\ud55c KB\uc190\ud574\ubcf4\ud5d8\uc758 \uc874\uc7ac\uac00 \uafb8\uc900\ud55c \uc6b0\uc0c1\ud5a5\uc744 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