{"id":36617,"date":"2025-08-06T14:11:26","date_gmt":"2025-08-06T05:11:26","guid":{"rendered":"https:\/\/www.sanctionlab.com\/?p=36617"},"modified":"2025-08-07T11:04:43","modified_gmt":"2025-08-07T02:04:43","slug":"%ec%9a%b0%eb%a6%ac%ea%b8%88%ec%9c%b5-%ec%a7%80%ec%a3%bc-%ed%95%b4%ec%b2%b4%e2%86%92%ec%9e%ac%ea%b1%b4-%ec%95%84%ec%89%ac%ec%9b%80-%eb%92%a4%eb%a1%9c%ed%95%98%ea%b3%a0-%ec%a0%88%ec%b9%98","status":"publish","type":"post","link":"https:\/\/www.sanctionlab.com\/?p=36617","title":{"rendered":"\uc6b0\ub9ac\uae08\uc735, \uc9c0\uc8fc ‘\ud574\uccb4\u2192\uc7ac\uac74’ \uc544\uc26c\uc6c0 \ub4a4\ub85c\ud558\uace0 ‘\uc808\uce58\ubd80\uc2ec’"},"content":{"rendered":"

|\u2460\ube44\uc740\ud589 \uc21c\uc775 \ucd95\uc801 \ubabb\ud558\uace0 \uc2e0\uaddc M&A\ub85c RWA \uc18c\uc9c4\u2026\uc62c\ub4e4\uc5b4 CET1\ube44\uc728 ‘\uc9c8\uc8fc’<\/h3>\n

\uc6b0\ub9ac\uae08\uc735\uc774 \ubcf4\ud1b5\uc8fc\uc790\ubcf8(CET1)\ube44\uc728 \uac1c\uc120\uc5d0 \ucd1d\ub825\uc744 \ub2e4\ud558\uace0 \uc788\ub2e4. CET1\ube44\uc728\uc740 \uc6b0\ub9ac\uae08\uc735\uc758 \uace0\uc9c8\uc801 \uc57d\uc810\uc73c\ub85c \uaf3d\ud78c\ub2e4. 2010\ub144\ub300 \ubbfc\uc601\ud654 \uacfc\uc815\uc5d0\uc11c \ube44\uc740\ud589 \uacc4\uc5f4\uc0ac\ub97c \ub9e4\uac01\ud558\uace0 \uc9c0\uc8fc\uc0ac \uccb4\uc81c\ub97c \ud574\uccb4\ud55c \ud0d3\uc5d0 \uc218\ub144\uac04 \ubcf4\ud1b5\uc8fc\uc790\ubcf8\uc744 \ucd95\uc801 \uaddc\ubaa8\uac00 \uc904\uc5c8\uae30 \ub54c\ubb38\uc774\ub2e4. \uc774\ud6c4 \uc7ac\ucc28 \uacc4\uc5f4\uc0ac\ub97c \uc0ac\ub4e4\uc774\ub294 \uacfc\uc815\uc5d0\uc11c CET\ube44\uc728 \uad00\ub9ac \ub09c\uc774\ub3c4\uac00 \ud55c\uce35 \ub354 \ub192\uc544\uc84c\ub2e4.<\/p>\n

\uc774\uac19\uc740 \uc545\uc870\uac74\uc744 \ub51b\uace0 \uc6b0\ub9ac\uae08\uc735\uc740 CET1\ube44\uc728 \uac1c\uc120 \ud750\ub984\uc744 \uc774\uc5b4\uac00\uace0 \uc788\ub2e4. \uc6b0\ub9ac\ud22c\uc790\uc99d\uad8c\uc744 \ucd9c\ubc94\uc2dc\ud0a4\uace0 \ub3d9\uc591\uc0dd\uba85\uc744 \ud488\uc73c\uba74\uc11c \uc885\ud569\uae08\uc735\uadf8\ub8f9\uc744 \uc644\uc131\ud55c \ub9cc\ud07c \uc9c0\uc8fc\uc0ac \uccb4\uc81c\ub97c \uc9c0\ud0f1\ud560 \uc790\ubcf8 \uccb4\ub825\uc774 \ud544\uc694\ud558\ub2e4\ub294 \ud310\ub2e8\uc774 \uc791\uc6a9\ud588\ub2e4. \ub2f9\ucd08 \ubaa9\ud45c\ub85c \ud588\ub358 CET1\ube44\uc728\uc744 \uc870\uae30\uc5d0 \ub2ec\uc131\ud558\uba74\uc11c \uade0\ud615\uc7a1\ud78c \uc131\uc7a5\uc744 \ub3c4\ubaa8\ud560 \ucc44\ube44\ub97c \ub9c8\ucce4\ub2e4.<\/p>\n

\u25c7’\uc9c0\uc8fc\uc0ac \ud574\uccb4’ 5\ub144 \uacf5\ubc31\u2026\ud0c0\uc0ac\uc640 \ubc8c\uc5b4\uc9c4 \uaca9\ucc28<\/strong><\/p>\n

\uc6b0\ub9ac\uae08\uc735 \ubcf4\ud1b5\uc8fc\uc790\ubcf8\uc740 \uc62c \uc0c1\ubc18\uae30 \uae30\uc900 29\uc8704070\uc5b5\uc6d0\uc774\ub2e4. KB\uae08\uc735(48\uc8706683\uc5b5\uc6d0), \uc2e0\ud55c\uae08\uc735(46\uc8702986\uc5b5\uc6d0), \ud558\ub098\uae08\uc735(37\uc8707260\uc5b5\uc6d0) \ub4f1 \ud568\uaed8 4\ub300 \uae08\uc735\uc73c\ub85c \ubd84\ub958\ub418\ub294 \uacf3\ub4e4\uacfc \ube44\uad50\ud574 \ubcf4\ud1b5\uc8fc\uc790\ubcf8 \uccb4\uae09\uc774 \uac00\uc7a5 \ub0ae\ub2e4. \uc774 \ub54c\ubb38\uc5d0 \ubcf4\ud1b5\uc8fc\uc790\ubcf8\uc740 \uc6b0\ub9ac\uae08\uc735\uc758 \uc57d\uc810\uc73c\ub85c \uaf3d\ud788\uace0 \uc788\ub2e4.<\/p>\n

\"\"<\/div>\n

\ud0c0\uc0ac \ub300\ube44 \ubcf4\ud1b5\uc8fc\uc790\ubcf8 \uaddc\ubaa8\uac00 \uc791\uc740 \ubc30\uacbd\uc5d0\ub294 \uc9c0\uc8fc\uc0ac \uccb4\uc81c \uacf5\ubc31\uc774 \uc790\ub9ac\ud55c\ub2e4. \uc6b0\ub9ac\uae08\uc735\uc740 2014\ub144 \uc608\uae08\ubcf4\ud5d8\uacf5\uc0ac\uc758 \uacf5\uc801\uc790\uae08\ud68c\uc218 \uacfc\uc815\uc5d0\uc11c \ube44\uc740\ud589 \uacc4\uc5f4\uc0ac\ub97c \ub9e4\uac01\ud558\uace0 \uc9c0\uc8fc\uc0ac \uccb4\uc81c\ub97c \ud574\uccb4\ud588\ub2e4. \uc774\ud6c4 \ubbfc\uc601\ud654\ub97c \uac70\uccd0 2019\ub144 \uc9c0\uc8fc\uc0ac\ub97c \ub2e4\uc2dc \uc124\ub9bd\ud558\uae30\uae4c\uc9c0 \uc57d 5\ub144 \ub3d9\uc548 \uc740\ud589\uc5c5\uc5d0 \uc758\uc874\ud574\uc57c \ud588\ub2e4.<\/p>\n

\uc774 \uae30\uac04 \uc6b0\ub9ac\uae08\uc735 CET1\ube44\uc728\uc740 \ud6c4\ud1f4\ud588\ub2e4. \uc9c0\uc8fc\uc0ac \ud574\uccb4 \uc9c1\uc804\uc774\uc5c8\ub358 2014\ub144 2\ubd84\uae30 9.24%\uc600\ub358 CET1\ube44\uc728\uc740 \uc7ac\uac74 \uccab\ud574\uc778 2019\ub144 \ub9d0 8.4%\ub85c \ud558\ub77d\ud588\ub2e4. \ubcf4\ud1b5\uc8fc\uc790\ubcf8\uc740 13\uc8703910\uc5b5\uc6d0\uc5d0\uc11c 19\uc8701350\uc5b5\uc6d0\uc73c\ub85c \ub298\uc5c8\uc73c\ub098 \uc704\ud5d8\uac00\uc911\uc790\uc0b0(RWA)\uc774 \ub354 \ube60\ub978 \uc18d\ub3c4\ub85c \uc99d\uac00\ud558\uba74\uc11c CET1\ube44\uc728\uc774 \ud558\ud5a5 \uc870\uc815\ub41c \uac83\uc73c\ub85c \ud480\uc774\ub41c\ub2e4.<\/p>\n

\ube44\uc740\ud589 \uc21c\uc774\uc775\uc744 \uc790\ubcf8\uc73c\ub85c \ucd95\uc801\ud558\uc9c0 \ubabb\ud55c \uac8c CET1\ube44\uc728 \ud558\ud5a5 \uc870\uc815\uc5d0 \uacb0\uc815\uc801\uc774\uc5c8\ub2e4. \uc740\ud589\uc5c5\uc740 \uae08\uc735\uc9c0\uc8fc \uc21c\uc774\uc775\uc758 \uac00\uc7a5 \ud070 \ube44\uc911\uc744 \ucc28\uc9c0\ud558\uc9c0\ub9cc RWA \uc99d\uac00\ub97c \uac10\uc218\ud574\uc57c \ud55c\ub2e4. RWA \uc99d\uac00\ub294 CET1\ube44\uc728 \ud558\ub77d \uc555\ub825\uc73c\ub85c \uc774\uc5b4\uc9c4\ub2e4. RWA \uad00\ub9ac \ubd80\ub2f4\uc774 \ub35c\ud55c \ube44\uc740\ud589 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uacbd\uc7c1\ub825 \ud655\ubcf4\uac00 CET1\ube44\uc728 \uac1c\uc120 \ucca9\uacbd\uc774\uc9c0\ub9cc \uc6b0\ub9ac\uae08\uc735\uc758 \uacbd\uc6b0 \uad6c\uc870\uc801\uc73c\ub85c \ubd88\uac00\ub2a5\ud588\ub2e4.<\/p>\n

\uc9c0\uc8fc\uc0ac \ud574\uccb4 \uc5ec\ud30c\ub85c \uc6b0\ub9ac\uae08\uc735\uacfc \ub2e4\ub978 \uc740\ud589\uc9c0\uc8fc CET1\ube44\uc728 \uaca9\ucc28\uac00 \ubc8c\uc5b4\uc84c\ub2e4. \uc6b0\ub9ac\uae08\uc735\uc740 4\ub300 \uae08\uc735 \uc911 \uc720\uc77c\ud558\uac8c 12%\ub300\uc5d0 \uba38\ubb34\ub974\uace0 \uc788\ub2e4. 13.5%\ub97c \ub3cc\ud30c\ud55c KB\uae08\uc735, \uc2e0\ud55c\uae08\uc735\uc740 \ubb3c\ub860 13% \ucd08\uc911\ubc18\ub300\uc5d0 \uc548\ucc29\ud55c \ud558\ub098\uae08\uc735\uacfc\ub3c4 \ucc28\uc774\uac00 \uc788\ub2e4. \uc601\uc5c5 \ub610\ub294 \ubc38\ub958\uc5c5 \uc804\ub7b5\uc744 \uc218\ub9bd\ud560 \ub54c \ubd88\ub9ac\ud55c \uc870\uac74\uc744 \uac10\uc218\ud574\uc57c \ud558\ub294 \uc785\uc7a5\uc774\ub2e4.<\/p>\n

\"\"<\/div>\n

\u25c7\ube44\uc740\ud589 \uc7ac\uac74 \uc791\uc5c5, CET1\ube44\uc728 \uad00\ub9ac \ubd80\ub2f4 \uc791\uc6a9<\/strong><\/p>\n

2019\ub144 \uc9c0\uc8fc\uc0ac \uccb4\uc81c\ub97c \uc7ac\uac74\ud558\uace0 \ube44\uc740\ud589 \uacc4\uc5f4\uc0ac\ub97c \uc7ac\ucc28 \ucd94\uac00\ud558\ub294 \uacfc\uc815\ub3c4 CET1\ube44\uc728 \uad00\ub9ac\uc5d0 \ubd80\ub2f4\uc73c\ub85c \uc791\uc6a9\ud558\uace0 \uc788\ub2e4. M&A\ub85c \uc778\ud574 \ud53c\uc778\uc218\uc0ac RWA\uac00 \uadf8\ub8f9\uc5d0 \ucd94\uac00\ub418\uba74\uc11c CET1\ube44\uc728 \ud558\ub77d \uc555\ub825\uc774 \uac00\ud574\uc9c0\uae30 \ub54c\ubb38\uc774\ub2e4. \uc9c0\uc8fc\uc0ac 2\uae30 \uccb4\uc81c \ucd08\ubc18 \uce90\ud53c\ud0c8, \uc800\ucd95\uc740\ud589 \ub4f1 RWA \uad00\ub9ac \ub09c\uc774\ub3c4\uac00 \ub192\uc740 \uacc4\uc5f4\uc0ac\uac00 \ucd94\uac00\ub3fc CET1\ube44\uc728 \uac1c\uc120\uc774 \ud55c\uce35 \ub354 \uc5b4\ub824\uc6b4 \uacfc\uc81c\uac00 \ub410\ub2e4.<\/p>\n

\uc784\uc885\ub8e1 \uc6b0\ub9ac\uae08\uc735 \ud68c\uc7a5 \ucde8\uc784 \ud6c4 \ucd94\uac00\ub41c \uc6b0\ub9ac\ud22c\uc790\uc99d\uad8c\ub3c4 RWA \uad00\ub9ac\uac00 \ub179\ub85d\uc9c0 \uc54a\uc740 \uacc4\uc5f4\uc0ac\ub2e4. \uc99d\uad8c\uc0ac\ub294 \uce74\ub4dc\uc0ac\uc640 \ud568\uaed8 \uc601\uc5c5\uc5d0 \ub530\ub978 RWA \uc99d\uac00\ud3ed\uc774 \ud070 \ube44\uc740\ud589 \uacc4\uc5f4\uc0ac\ub85c \uaf3d\ud78c\ub2e4. \uc6b0\ud22c\uc99d\uad8c\uc774 \uc99d\uad8c\uc5c5\uacc4 \ucd5c\ud558\uc704\uad8c\uc73c\ub85c \ucd9c\ubc94\ud574 \uacf5\uaca9\uc801\uc73c\ub85c \uc138\ub97c \ud655\uc7a5\ud574\uc57c \ud558\ub294 \ub9cc\ud07c \uac00\ud30c\ub978 RWA \uc99d\uac00\ub97c \uac10\uc218\ud574\uc57c \ud55c\ub2e4.<\/p>\n

\uadf8\ub7fc\uc5d0\ub3c4 \uc6b0\ub9ac\uae08\uc735\uc740 \ucd5c\uadfc CET1\ube44\uc728\uc744 \ube60\ub978 \uc18d\ub3c4\ub85c \uac1c\uc120\ud558\uace0 \uc788\ub2e4. \uc9c0\ub09c\ud574 \ub9d0 12.1%\ub97c \uae30\ub85d\ud574 12%\ub300\uc5d0 \uc548\ucc29\ud588\uace0 \uc62c\ud574 1\ubd84\uae30 12.45%, 2\ubd84\uae30 12.76%\uac00 \ub410\ub2e4. \ub2f9\ucd08 \uc62c\ud574 \uc5f0\ub9d0 12.5%\uc5d0 \ub3c4\ub2ec\ud55c\ub2e4\ub294 \uacc4\ud68d\uc774\uc5c8\uc73c\ub098 \uc77c\ucc0c\uac10\uce58 \ubaa9\ud45c\uce58\uc5d0 \ub3c4\ub2ec\ud588\ub2e4. \uad00\ub9ac \ubaa9\ud45c\uce58\ub294 13%\ub85c \uc0c1\ud5a5 \uc870\uc815\ud588\ub2e4. \uc6b0\ub9ac\uc740\ud589\uc774 RWA \uac10\ucd95\uc744 \uac10\uc218\ud558\uba74\uc11c \uc790\ubcf8\ube44\uc728 \uac1c\uc120\uc774 \uac00\ub2a5\ud588\ub2e4.<\/p>\n

\uc784 \ud68c\uc7a5 \uccb4\uc81c\uc5d0\uc11c CET1\ube44\uc728 \uc57d\uc810 \ud574\uc18c\ub77c\ub294 \ud574\ubb35\uc740 \uacfc\uc81c\ub97c \ud574\uacb0\ud558\ub824\ub294 \uc758\ub3c4\ub85c \ud480\uc774\ub41c\ub2e4. \uc784 \ud68c\uc7a5\uc740 \ucde8\uc784 \ud6c4 \uc608\ubcf4 \uc794\uc5ec\uc9c0\ubd84 \ub9e4\uc785, \uc790\uc0b0\uc6b4\uc6a9\uc0ac \ud1b5\ud569, \uc99d\uad8c\uc5c5\uacfc \ubcf4\ud5d8\uc5c5 \uc9c4\ucd9c \ub4f1 \ub4f1 \uc624\ub79c \uae30\uac04 \ubbf8\ub904\uc9c4 \uacfc\uc81c\ub97c \ucd94\uc9c4\ud574 \ub9e4\ub4ed\uc9c0\uc5c8\ub2e4. \uc5ec\uae30\uc5d0 CET1\ube44\uc728 \uac1c\uc120\uc774 \ub354\ud574\uc838\uc57c \uade0\ud615\uc7a1\ud78c \uc911\uc7a5\uae30 \uc131\uc7a5 \uc804\ub7b5\uc744 \uc218\ub9bd\ud560 \uc218 \uc788\ub2e4\ub294 \ud310\ub2e8\uc774 \uc791\uc6a9\ud588\ub2e4.<\/p>\n

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

|\u2460\ube44\uc740\ud589 \uc21c\uc775 \ucd95\uc801 \ubabb\ud558\uace0 \uc2e0\uaddc M&A\ub85c RWA \uc18c\uc9c4\u2026\uc62c\ub4e4\uc5b4 CET1\ube44\uc728 ‘\uc9c8\uc8fc’ \uc6b0\ub9ac\uae08\uc735\uc774 \ubcf4\ud1b5\uc8fc\uc790\ubcf8(CET1)\ube44\uc728 \uac1c\uc120\uc5d0 \ucd1d\ub825\uc744 \ub2e4\ud558\uace0 \uc788\ub2e4. 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