{"id":36722,"date":"2025-08-07T14:37:29","date_gmt":"2025-08-07T05:37:29","guid":{"rendered":"https:\/\/www.sanctionlab.com\/?p=36722"},"modified":"2025-08-08T10:11:35","modified_gmt":"2025-08-08T01:11:35","slug":"%ec%9a%b0%eb%a6%ac%ea%b8%88%ec%9c%b5-%ec%9e%90%eb%b3%b8%eb%b9%84%ec%9c%a8-%ea%b0%9c%ec%84%a0-%ec%86%8d%eb%8f%84-%ec%a1%b0%ec%a0%88-%eb%93%a4%ec%96%b4%ea%b0%84%eb%8b%a4","status":"publish","type":"post","link":"https:\/\/www.sanctionlab.com\/?p=36722","title":{"rendered":"\uc6b0\ub9ac\uae08\uc735, \uc790\ubcf8\ube44\uc728 \uac1c\uc120 &#8216;\uc18d\ub3c4 \uc870\uc808&#8217; \ub4e4\uc5b4\uac04\ub2e4"},"content":{"rendered":"<h3>|\u246112.5% \uc870\uae30 \ub2ec\uc131, 13% \ub3c4\ub2ec\uc740 2026\ub144\u2026\ubc38\ub958\uc5c5 \uc2e0\uc911\ud55c \uc811\uadfc, \uc740\ud589 \uc601\uc5c5\u00b7\uc99d\uad8c \uc131\uc7a5 \uace0\ub824<\/h3>\n<p>\uc6b0\ub9ac\uae08\uc735\uc774 \uc62c \uc0c1\ubc18\uae30 \ube60\ub978 \uc18d\ub3c4\ub85c \ubcf4\ud1b5\uc8fc\uc790\ubcf8(CET1)\ube44\uc728\uc744 \uac1c\uc120\ud558\uace0 \uc18d\ub3c4 \uc870\uc808\uc5d0 \ub3cc\uc785\ud588\ub2e4. \uc77c\ucc0c\uac10\uce58 \ubaa9\ud45c\uce58\uc600\ub358 12.5%\ub97c \ub2ec\uc131\ud55c \ub370 \uc774\uc5b4 13%\ub3c4 \uac00\uc2dc\uad8c\uc5d0 \ub4e4\uc5b4\uc654\uc9c0\ub9cc \ud604 \uc218\uc900\uc5d0\uc11c \uc548\uc815\uc801\uc778 \uad00\ub9ac\uc5d0 \ucd08\uc810\uc744 \ub9de\ucd94\uae30\ub85c \ud588\ub2e4. \uc0c8 \ubaa9\ud45c\uc778 13% \ub3c4\ub2ec \uc2dc\uc810\uc740 \ub0b4\ub144\uc73c\ub85c \uc815\ud574\uc84c\ub2e4.<\/p>\n<p>CET1\ube44\uc728 \uac1c\uc120 \uc18d\ub3c4\ub97c \ud55c \ud15c\ud3ec \ub2a6\ucd98 \uac74 \uc601\uc5c5 \ud65c\uc131\ud654\uc5d0 \ub530\ub978 \uc704\ud5d8\uac00\uc911\uc790\uc0b0(RWA) \uc99d\uac00\uac00 \ubd88\uac00\ud53c\ud558\ub2e4\uace0 \ud310\ub2e8\ud588\uae30 \ub54c\ubb38\uc774\ub2e4. \uc9c0\ub09c\ud574 \ub9d0\uacfc \uc62c \uc0c1\ubc18\uae30 \uc6b0\ub9ac\uc740\ud589\uc774 RWA\ub97c \uac10\ucd95\ud558\uba74\uc11c \uadf8\ub8f9 CET1\ube44\uc728 \uac1c\uc120\uc744 \uacac\uc778\ud588\uc73c\ub098 \ud558\ubc18\uae30\uc5d0\ub294 \uae30\uc5c5\uae08\uc735 \uc601\uc5c5\uc5d0 \uc7ac\uc2dc\ub3d9\uc744 \uac78\uc5b4\uc57c \ud55c\ub2e4. \uc6b0\ub9ac\ud22c\uc790\uc99d\uad8c\ub3c4 \ubcf8\uaca9\uc801\uc778 \uc601\uc5c5\uc5d0 \ub098\uc124 \uc2dc\uc810\uc774 \ub410\ub2e4.<\/p>\n<p><strong>\u25c7\uc2e0\uaddc \uc8fc\uc8fc\ud658\uc6d0 \ubc1c\ud45c \uc5c6\uc774 &#8216;\uc815\uc911\ub3d9&#8217; \ud589\ubcf4<\/strong><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-36723\" src=\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/08\/20250807131018800_n.jpg\" alt=\"\" width=\"640\" height=\"778\" srcset=\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/08\/20250807131018800_n.jpg 640w, https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/08\/20250807131018800_n-247x300.jpg 247w, https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/08\/20250807131018800_n-150x182.jpg 150w, https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/08\/20250807131018800_n-300x365.jpg 300w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/><\/p>\n<p>\uc6b0\ub9ac\uae08\uc735\uc774 \ubc1c\ud45c\ud55c 2025\ub144 \uc0c1\ubc18\uae30 \uacbd\uc601 \uc2e4\uc801\uc5d0 \ub530\ub974\uba74 2\ubd84\uae30 CET1\ube44\uc728 12.76%\ub97c \uae30\ub85d\ud588\ub2e4. \uc9c0\ub09c\ud574 \ub9d0 12.13% \ub300\ube44 63bp \uac1c\uc120\ub410\ub2e4. \uc9c0\ub09c 1\ubd84\uae30 12.45%\uc640 \ube44\uad50\ud574\ub3c4 31bp \uc62c\ub790\ub2e4.<\/p>\n<p>\uc6b0\ub9ac\uae08\uc735\uc758 CET1\ube44\uc728 \uac1c\uc120 \uc18d\ub3c4\ub294 \uc2dc\uc7a5 \uae30\ub300\uce58\ub97c \uc6c3\ub3c4\ub294 \uc218\uc900\uc774\ub2e4. \ub2f9\ucd08 \uc6b0\ub9ac\uae08\uc735\uc740 2024\ub144 12.3%, 2025\ub144 12.5%\uc5d0 \ub3c4\ub2ec\ud558\uaca0\ub2e4\ub294 \uacc4\ud68d\uc744 \ubc1d\ud614\ub2e4. \uc9c0\ub09c 1\ubd84\uae30 \uc5f0\ub9d0 \ubaa9\ud45c\uc600\ub358 12.5%\uc5d0 \uadfc\uc811\ud588\uc744 \ubfd0\ub9cc \uc544\ub2c8\ub77c 2\ubd84\uae30\uc5d0\ub294 \ucd08\uacfc \ub2ec\uc131\uc5d0 \uc131\uacf5\ud55c \uac83\uc774\ub2e4.<\/p>\n<p>CET1\ube44\uc728 \uac1c\uc120\uc5d0 \ud0c4\ub825\uc774 \ubd99\uc790 \uc2dc\uc7a5\uc5d0\uc11c\ub294 13% \uc870\uae30 \ub2ec\uc131\uc5d0 \ub300\ud55c \uae30\ub2e4\uac10\ub3c4 \uc870\uc131\ub410\ub2e4. CET1\ube44\uc728\uc774 \ub192\uc544\uc9c8\uc218\ub85d \uc6b0\ub9ac\uae08\uc735\uc774 \uc8fc\uc8fc\ud658\uc6d0 \uaddc\ubaa8\ub97c \ud0a4\uc6b8 \uc218 \uc788\uae30 \ub54c\ubb38\uc774\ub2e4. \uc6b0\ub9ac\uae08\uc735\uc740 \ub2e4\ub978 \uc740\ud589\uc9c0\uc8fc\uc5d0 \ube44\ud574 \ub0ae\uc740 CET1\ube44\uc728\uc5d0 \uba38\ubb34\ub974\uace0 \uc788\ub294 \ud0d3\uc5d0 \uc8fc\uc8fc\ud658\uc6d0 \uaddc\ubaa8\uac00 \uc0c1\ub300\uc801\uc73c\ub85c \uc791\ub2e4.<\/p>\n<p>\ud558\uc9c0\ub9cc \uc6b0\ub9ac\uae08\uc735\uc740 CET1\ube44\uc728 \uad00\ub9ac \ud15c\ud3ec\ub97c \uc870\uc808\ud558\ub294 \ubc29\ud5a5\uc73c\ub85c \uac00\ub2e5\uc744 \uc7a1\uc558\ub2e4. \ub9e4\ubd84\uae30 30bp\uac00\ub7c9 \uac1c\uc120\ud55c \uc62c \uc0c1\ubc18\uae30 \ud750\ub984\uc744 \uc774\uc5b4\uac00\uba74 \uc5f0\ub9d0 13%\uc5d0 \ucda9\ubd84\ud788 \ub3c4\ub2ec\ud560 \uc218 \uc788\uc73c\ub098 12.5~13% \uc218\uc900\uc758 CET1\ube44\uc728\uc744 \uc548\uc815\uc801\uc73c\ub85c \uc720\uc9c0\ud558\ub294 \uac8c \ub0ab\ub2e4\uace0 \ud310\ub2e8\ud588\ub2e4. \ub3d9\uc591\uc0dd\uba85 \uc790\ud68c\uc0ac \ud3b8\uc785 \uc870\uac74\ubd80 \uc2b9\uc778\uc744 \uc704\ud55c CET1\ube44\uc728 \uc81c\uace0 \uc791\uc5c5\uc774 \uc77c\ub2e8\ub77d \ub41c \uac83\uc73c\ub85c \ud480\uc774\ub41c\ub2e4.<\/p>\n<p>\uc62c \ud558\ubc18\uae30 \uc0c8\ub85c\uc6b4 \uc8fc\uc8fc\ud658\uc6d0 \uacc4\ud68d\uc744 \ub0b4\ub193\uc9c0 \uc54a\uc558\ub2e4\ub294 \uc810\uc5d0\uc11c\ub3c4 CET1\ube44\uc728\uc744 \ub2f9\ubd84\uac04 \ud604 \uc218\uc900\uc5d0\uc11c \uc720\uc9c0\ud558\ub824\ub294 \uc758\ub3c4\uac00 \uc77d\ud78c\ub2e4. \ub2e4\ub978 \uc740\ud589\uc9c0\uc8fc\uc758 \uacbd\uc6b0 \ud558\ubc18\uae30 2000\uc5b5~8500\uc5b5\uc6d0 \uaddc\ubaa8\uc758 \uc790\uc0ac\uc8fc \ub9e4\uc785\u00b7\uc18c\uac01 \uacc4\ud68d\uc744 \ub0b4\ub193\uc558\uc73c\ub098 \uc6b0\ub9ac\uae08\uc735\uc740 \uc2e0\uaddc \uacc4\ud68d\uc774 \uc5c6\ub2e4. \ub300\ud3ed \uac1c\uc120\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc5ec\uc804\ud788 \uc0c1\ub300\uc801\uc778 CET1\ube44\uc728\uc774 \ub0ae\uace0 \ud558\ubc18\uae30 \ucd94\uac00 \uac1c\uc120\ub3c4 \uc27d\uc9c0 \uc54a\uae30 \ub54c\ubb38\uc774\ub2e4.<\/p>\n<p><strong>\u25c7\uac00\uacc4\ub300\ucd9c \uaddc\uc81c, \uae30\uc5c5\uae08\uc735 \uc601\uc5c5 \ubd88\uac00\ud53c\u2026\uc99d\uad8c RWA \uc99d\uac00\ub3c4 \uac10\uc218<\/strong><\/p>\n<p>\uc6b0\ub9ac\uae08\uc735\uc740 \ub3d9\uc591\uc0dd\uba85 \uc778\uc218\ub97c \uc704\ud55c \uc790\ubcf8\ube44\uc728 \uac1c\uc120\uc744 \ucd5c\uc6b0\uc120\uc2dc\ud588\ub358 \uc0c1\ubc18\uae30\uc640 \ub2ec\ub9ac \ud558\ubc18\uae30\uc5d0\ub294 \uc601\uc5c5\uc5d0 \uc790\ubcf8\uc744 \ud22c\uc785\ud574\uc57c \ud55c\ub2e4\uace0 \ubcf4\uace0 \uc788\ub2e4. \uadf8\ub8f9 \uc8fc\ud3ec\uc778 \uc6b0\ub9ac\uc740\ud589\uc774 \uc0c1\ubc18\uae30 RWA \uac10\ucd95\uc744 \uac10\uc218\ud558\uba74\uc11c \uadf8\ub8f9 CET1\ube44\uc728 \uac1c\uc120\uc744 \ub4b7\ubc1b\uce68\ud588\uc73c\ub098 \ud558\ubc18\uae30\uc5d0\ub294 \uc601\uc5c5\uc744 \ud65c\uc131\ud654\ud574\uc57c \ud55c\ub2e4.<\/p>\n<p>\ud558\ubc18\uae30 \uac00\uacc4\ub300\ucd9c \uc601\uc5c5\uc774 \uc5b4\ub824\uc6cc\uc9c4 \uac83\ub3c4 CET1\ube44\uc728 \ub808\ubca8 \uc0c1\uc2b9\uc774 \ud798\ub4e0 \uc694\uc778\uc73c\ub85c \uaf3d\ud78c\ub2e4. \uae08\uc735 \ub2f9\uad6d\uc740 \ud558\ubc18\uae30 \uac00\uacc4\ub300\ucd9c \ucd1d\ub7c9 \uaddc\uc81c\ub97c \uac15\ud654\ud558\uae30\ub85c \ud588\ub2e4. \ubd80\ub3d9\uc0b0 \uac00\uaca9 \uae09\ub4f1\uc744 \ub9c9\ub294 \ucc28\uc6d0\uc5d0\uc11c \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uc81c\ud55c\uc5d0 \ucd08\uc810\uc744 \ub9de\ucd94\uace0 \uc788\ub2e4. \uc8fc\ub2f4\ub300\ub294 \ub2f4\ubcf4 \uc874\uc7ac\ub85c RWA \uc704\ud5d8\uac00\uc911\uce58\uac00 \ub0ae\uc544 \uc740\ud589\uad8c \uc774\uc790\uc774\uc775\uc744 \uadf9\ub300\ud654\ud574\uc900 \uc0c1\ud488\uc774\ub2e4.<\/p>\n<p>\ub300\uc2e0 \uc0dd\uc0b0\uc801 \uae08\uc735 \ucc28\uc6d0\uc5d0\uc11c \uc911\uc18c\uae30\uc5c5 \ub300\ucd9c\uc744 \ud65c\uc131\ud654\ud574\ub2ec\ub77c\ub294 \uac8c \uae08\uc735 \ub2f9\uad6d \uc785\uc7a5\uc774\ub2e4. \uc6b0\ub9ac\uc740\ud589\uc740 \ucd5c\uadfc \uc218\ub144\uac04 \uc911\uae30 \ub300\ucd9c\uc5d0 \ud798\uc744 \uc2e4\uc5b4\uc654\ub2e4. \uc62c \uc0c1\ubc18\uae30 RWA \ub9ac\ubc38\ub7f0\uc2f1 \ucc28\uc6d0\uc5d0\uc11c \uae30\uc5c5\ub300\ucd9c \uc794\uc561\uc744 \uc904\uc774\uae30\ub3c4 \ud588\uc73c\ub098 \uae08\uc735 \ub2f9\uad6d \ubc29\uce68\uc744 \ub530\ub974\ub824\uba74 \ud558\ubc18\uae30 \uc601\uc5c5\uc744 \uc7ac\uac1c\ud560 \ud544\uc694\uac00 \uc788\ub2e4. \uc911\uae30 \ub300\ucd9c\uc740 \uc704\ud5d8\uac00\uc911\uce58\uac00 \ub192\uc544 CET1\ube44\uc728 \uad00\ub9ac\uc5d0\ub294 \ubd80\ub2f4\uc73c\ub85c \uc791\uc6a9\ud55c\ub2e4.<\/p>\n<p>\uc6b0\ud22c\uc99d\uad8c\uc774 \uc62c \uc0c1\ubc18\uae30 \ud22c\uc790\ub9e4\ub9e4\uc5c5 \uc778\uac00\ub97c \ubc1b\uace0 \uc601\uc5c5\uc744 \ubcf8\uaca9\ud654\ud558\ub294 \uac83\ub3c4 CET1\ube44\uc728 \ud558\ub77d \uc555\ub825\uc73c\ub85c \uc791\uc6a9\ud560 \uc804\ub9dd\uc774\ub2e4. \uc6b0\ud22c\uc99d\uad8c\uc740 \uc9c0\ub09c\ud574 \ucd9c\ubc94\ud588\uc73c\ub098 \ub77c\uc774\uc120\uc2a4\ub97c \ucd94\uac00\ud558\ub294 \ub370 \uc2dc\uac04\uc774 \uc18c\uc694\ub418\uba74\uc11c \uc0ac\uc2e4\uc0c1 \uc62c \ud558\ubc18\uae30\ubd80\ud130 \ube44\uc988\ub2c8\uc2a4\ub97c \uac00\ub3d9\ud558\uace0 \uc788\ub2e4. \uc99d\uad8c\uc0ac\uac00 \ucde8\uae09\ud558\ub294 \uc790\uc0b0\uc740 \uc704\ud5d8\uac00\uc911\uce58\uac00 \ub192\uc544 \uadf8\ub8f9 CET1\ube44\uc728 \uc0c1\uc2b9\uc744 \uc81c\ud55c\ud560 \uc218 \uc788\ub2e4.<\/p>\n<p>\/ \ucd5c\ud544\uc6b0 \ub354\ubca8 \uae30\uc790<\/p>\n","protected":false},"excerpt":{"rendered":"<p>|\u246112.5% \uc870\uae30 \ub2ec\uc131, 13% \ub3c4\ub2ec\uc740 2026\ub144\u2026\ubc38\ub958\uc5c5 \uc2e0\uc911\ud55c \uc811\uadfc, \uc740\ud589 \uc601\uc5c5\u00b7\uc99d\uad8c \uc131\uc7a5 \uace0\ub824 \uc6b0\ub9ac\uae08\uc735\uc774 \uc62c \uc0c1\ubc18\uae30 \ube60\ub978 \uc18d\ub3c4\ub85c \ubcf4\ud1b5\uc8fc\uc790\ubcf8(CET1)\ube44\uc728\uc744 \uac1c\uc120\ud558\uace0 \uc18d\ub3c4 \uc870\uc808\uc5d0 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