{"id":37462,"date":"2025-08-12T10:16:26","date_gmt":"2025-08-12T01:16:26","guid":{"rendered":"https:\/\/www.sanctionlab.com\/?p=37462"},"modified":"2025-08-18T10:17:17","modified_gmt":"2025-08-18T01:17:17","slug":"im%ea%b8%88%ec%9c%b5-%ec%b2%b4%ea%b8%89-%ea%b2%a9%ec%83%81-%ec%95%9e%ec%84%9c-%ec%b2%b4%ec%a7%88-%ea%b0%9c%ec%84%a0-%ed%9e%98-%ec%8f%9f%eb%8a%94%eb%8b%a4","status":"publish","type":"post","link":"https:\/\/www.sanctionlab.com\/?p=37462","title":{"rendered":"iM\uae08\uc735, ‘\uccb4\uae09 \uaca9\uc0c1’ \uc55e\uc11c ‘\uccb4\uc9c8 \uac1c\uc120’ \ud798 \uc3df\ub294\ub2e4"},"content":{"rendered":"

|\u24602010\ub144\ub300 \uacf5\uaca9\uc801 M&A\ub85c \uc790\ubcf8\ub825 \uc18c\uc9c4\u2026\uc2dc\uc911\uc740\ud589 \uc804\ud658 \ub9de\ubb3c\ub824 \ucd95\uc801\uc758 \uc2dc\uac04<\/h3>\n

iM\uae08\uc735\uc774 \uc2dc\uc911\uc740\ud589\uc9c0\uc8fc \ub3c4\uc57d\uc744 \uc704\ud574 \uc790\ubcf8 \ucd95\uc801\uc5d0 \ud798\uc4f0\uace0 \uc788\ub2e4. \uc9c0\uc8fc\uc0ac \ucd9c\ubc94 \ud6c4 \uc885\ud569\uae08\uc735\uadf8\ub8f9 \uc644\uc131\uc744 \ubaa9\ud45c\ub85c \uacf5\uaca9\uc801 \uc778\uc218\ud569\ubcd1(M&A)\uc744 \uac10\ud589\ud558\uba70 \uc790\ubcf8\ub825\uc744 \uc18c\uc9c4\ud588\uace0 \ub2e4\ub978 \uc740\ud589\uc9c0\uc8fc \ub300\ube44 \ubcf4\ud1b5\uc8fc\uc790\ubcf8(CET1)\ube44\uc728 \uc5f4\uc704\uc5d0 \ub193\uc778 \uc0c1\ud0dc\ub2e4. \uc99d\uad8c, \ubcf4\ud5d8 \ub4f1 \uacc4\uc5f4\uc0ac \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc644\ube44\ud588\uc73c\ub098 CET1\ube44\uc728 \uad00\ub9ac \ub09c\uc774\ub3c4\ub294 \ud55c\uce35 \ub192\uc544\uc84c\ub2e4.<\/p>\n

iM\uae08\uc735\uc740 iM\ubc45\ud06c\uc758 \uc2dc\uc911\uc740\ud589 \uc804\ud658\uacfc \ub9de\ubb3c\ub824 \uc790\ubcf8\ub825 \ubcf4\uac15\uc5d0 \ub3cc\uc785\ud588\ub2e4. \ub300\ud615 \uae08\uc735\uadf8\ub8f9\uacfc \uc815\uba74 \uc2b9\ubd80\ub97c \ud53c\ud558\uace0 \ub2c8\uce58\ub9c8\ucf13\uc744 \uacf5\ub7b5\ud558\ub294 \uc804\ub7b5\uc744 \ud0dd\ud588\uc74c\uc5d0\ub3c4 \uc678\ud615 \ud655\uc7a5\uc744 \ub3c4\ubaa8\ud558\ub824\uba74 \ubcf4\ud1b5\uc8fc\uc790\ubcf8\uc744 \ucd95\uc801\ud560 \ud544\uc694\uac00 \uc788\ub2e4. \ud604\uc7ac \uc704\ud5d8\uac00\uc911\uc790\uc0b0(RWA) \uc131\uc7a5\uc744 \ubcf4\uc218\uc801\uc73c\ub85c \uad00\ub9ac\ud558\uba74\uc11c \uc7ac\ub3c4\uc57d \ubc1c\ud310\uc744 \ub9c8\ub828\ud558\ub294 \ub2e8\uacc4\ub2e4.<\/p>\n

\u25c7\uce90\ud53c\ud0c8\u00b7\uc99d\uad8c \uc778\uc218\ud558\uba70 RWA \ubd80\ub2f4 \uac00\uc911<\/strong><\/p>\n

iM\uae08\uc735\uc740 \uc62c \uc0c1\ubc18\uae30 CET1\ube44\uc728 12.15%\ub97c \uae30\ub85d\ud588\ub2e4. \uc9c0\ub09c\ud574 \ub9d0 11.72%\uc5d0 \ube44\ud574 43bp \uac1c\uc120\ub410\ub2e4. iM\uae08\uc735\uc774 \ubc18\uae30 \uae30\uc900\uc73c\ub85c CET1\ube44\uc728 12%\ub300\uc5d0 \uc548\ucc29\ud55c \uac74 \uc774\ubc88\uc774 \ucc98\uc74c\uc774\ub2e4.<\/p>\n

\"\"<\/div>\n

\ud070 \ud3ed\uc73c\ub85c \uc790\ubcf8\ube44\uc728\uc744 \uac1c\uc120\ud588\uc73c\ub098 \uac08 \uae38\uc774 \uba40\ub2e4. iM\uae08\uc735\uc740 \uc9c0\ub09c\ud574 iM\ubc45\ud06c\uc758 \uc2dc\uc911\uc740\ud589 \uc804\ud658\uc73c\ub85c \uc2dc\uc911\uc740\ud589\uc9c0\uc8fc\uac00 \ub410\uc9c0\ub9cc CET1\ube44\uc728\uc740 \uc9c0\ubc29\uae08\uc735\uacfc \ube44\uad50\ud574\ub3c4 \ub0ae\uc740 \uc218\uc900\uc5d0 \uba38\ubb34\ub974\uace0 \uc788\ub2e4. \uac19\uc740 \uc2dc\uc810\uc5d0 12.56%, 12.41%\ub97c \uae30\ub85d\ud55c BNK\uae08\uc735, JB\uae08\uc735 \ub300\ube44 20~30bp\uac00\ub7c9 \ub0ae\ub2e4. 13% \uc911\ubc18\ub300\uc5d0 \uc548\ucc29\ud55c \uc2dc\uc911\uc740\ud589\uc9c0\uc8fc\uc640 \ube44\uad50\ud574\uba74 100bp \uc774\uc0c1 \ucc28\uc774\uac00 \ub09c\ub2e4.<\/p>\n

iM\uae08\uc735\uc740 2010\ub144\ub300 \ub300\ubd80\ubd84 9%\ub300 CET1\ube44\uc728\uc5d0 \uba38\ubb3c\ub800\ub2e4. 2013\ub144 9.16%, 2014\ub144 9.02%, 2015\ub144 9.36%\ub97c \uae30\ub85d\ud588\ub2e4. 2016\ub144 10.2%, 2017\ub144 10.21%\ub97c \uae30\ub85d\ud558\uba70 \ub450\uc790\ub9bf\uc218\ub85c \uc62c\ub77c\uc130\uc73c\ub098 2018\ub144 9.8%, 2019\ub144 9.54%, 2020\ub144 9.59%\uc5d0 \uadf8\uce58\uba70 9%\ub300\ub85c \ud68c\uadc0\ud588\ub2e4.<\/p>\n

CET1\ube44\uc728\uc744 \uc880\ucc98\ub7fc \uac1c\uc120\ud558\uc9c0 \ubabb\ud55c \uac74 \uacf5\uaca9\uc801\uc778 M&A\ub85c \uc678\ud615\uc744 \ud0a4\uc6b0\ub294 \ub370 \ucd08\uc810\uc744 \ub9de\ucdc4\uae30 \ub54c\ubb38\uc774\ub2e4. iM\uae08\uc735\uc740 2015\ub144 3154\uc5b5\uc6d0 \uaddc\ubaa8\uc758 \uc720\uc0c1\uc99d\uc790\ub97c \ub2e8\ud589\ud588\uc74c\uc5d0\ub3c4 CET1\ube44\uc728 \ub808\ubca8\uc744 \ud06c\uac8c \ub192\uc774\uc9c0 \ubabb\ud588\ub2e4. \uc9c0\uc8fc\uc0ac \uccb4\uc81c \ucd08\ubc18 \uc778\uc218\ud574 \ucd9c\ubc94\uc2dc\ud0a8 iM\uce90\ud53c\ud0c8(\ub2f9\uc2dc DGB\uce90\ud53c\ud0c8) \uc790\ubcf8 \ud655\ucda9\uc5d0 \uc870\ub2ec \uc790\uae08\uc744 \ud65c\uc6a9\ud558\uace0 \uacf5\uaca9\uc801\uc778 \uc601\uc5c5\uc5d0 \ub098\uc11c\uba74\uc11c \uc790\ubcf8\ub825\uc744 \uc18c\uc9c4\ud588\ub2e4.<\/p>\n

2010\ub144\ub300 \ud6c4\ubc18\uc5d0\ub294 \ud558\uc774\ud22c\uc790\uc99d\uad8c(\ud604 iM\uc99d\uad8c) \uc778\uc218\uac00 CET1\ube44\uc728 \ubc1c\ubaa9\uc744 \uc7a1\uc558\ub2e4. iM\uae08\uc735\uc740 \ud558\uc774\ud22c\uc790\uc99d\uad8c \uc778\uc218\uc804\uc5d0\uc11c \uacf5\uaca9\uc801\uc778 \ubca0\ud305 \ub05d\uc5d0 \uc6b0\uc120\ud611\uc0c1\ub300\uc0c1\uc790 \uc9c0\uc704\ub97c \ud655\ubcf4\ud588\ub2e4. \uc790\ubcf8 \uccb4\uae09\uc774 \ub2e4\ub978 \uc2dc\uc911\uc740\ud589\uacfc \uacbd\uc7c1\ud558\uba70 \ub2e4\uc18c \ubb34\ub9ac\ud55c \uce21\uba74\ub3c4 \uc788\uc5c8\ub2e4. \uc778\uc218\uac00\uac00 4700\uc5b5\uc6d0\uae4c\uc9c0 \ub192\uc544\uc9c0\uba74\uc11c \ub610 \ub2e4\uc2dc \uc790\ubcf8\ub825 \uc18c\uc9c4\uc744 \uac10\uc218\ud574\uc57c \ud588\ub2e4.<\/p>\n

\uce90\ud53c\ud0c8\uacfc \uc99d\uad8c \ubaa8\ub450 RWA \uc99d\uac00 \ubd80\ub2f4\uc774 \ud070 \uacc4\uc5f4\uc0ac\ub77c\ub294 \uc810\uc5d0\uc11c CET1\ube44\uc728 \uad00\ub9ac\uac00 \ub9cc\ub9cc\uce58 \uc54a\ub2e4. \uadf8\ub8f9 \ub9cf\ud615\uc778 iM\ubc45\ud06c\ub294 \ubb3c\ub860 iM\uc99d\uad8c\uacfc iM\uce90\ud53c\ud0c8\uc758 \uc131\uc7a5\ub3c4 \ub4b7\ubc1b\uce68\ud574\uc57c \ud558\ub294 \uc9c0\uc8fc \uc785\uc7a5\uc5d0\uc11c \ubcf4\ud1b5\uc8fc\uc790\ubcf8 \ucd95\uc801\uc744 \uc6b0\uc120\uc2dc\ud558\uae34 \uc5b4\ub824\uc6e0\ub2e4. \uacb0\uad6d \ub9cc\uc131\uc801\uc778 CET1\ube44\uc728 \ubd80\uc9c4\uc744 \uac10\uc218\ud55c\ucc44 \uc678\ud615 \uc131\uc7a5\uc744 \ucd94\uad6c\ud574\uc57c \ud588\ub2e4.<\/p>\n

\u25c7\uc804\ud658\uc810 \ub41c \uc2dc\uc911\uc740\ud589 \uc804\ud658\u2026\uc790\ubcf8 \ucd95\uc801\uae30\ub85c ‘\uc81c2\uc758 \ub3c4\uc57d’ \ucc44\ube44<\/strong><\/p>\n

iM\uae08\uc735\uc758 CET1\ube44\uc728 \uad00\ub9ac \ubc29\uce68\uc5d0 \ubcc0\ud654\ub97c \uc900 \uc804\ud658\uc810\uc740 iM\ubc45\ud06c\uc758 \uc2dc\uc911\uc740\ud589 \uc804\ud658\uc774\ub2e4. \ub300\uad6c\uc740\ud589 \uc2dc\uc808\uc744 \ub4a4\ub85c\ud558\uace0 \uc804\uad6d\uc744 \uc601\uc5c5 \ubb34\ub300\ub85c \uc0bc\ub294 \uc2dc\uc911\uc740\ud589 iM\ubc45\ud06c\ub85c \uac70\ub4ed\ub0ac\uc9c0\ub9cc \ud604 \uc790\ubcf8\ub825\uc73c\ub85c\ub294 \uc218\ub3c4\uad8c \uc9c4\ucd9c\uc5d0 \ud55c\uacc4\uac00 \uc788\uc5c8\ub2e4. \ub300\ud615 \uc2dc\uc911\uc740\ud589\uc9c0\uc8fc \uc815\ub3c4\ub294 \uc544\ub2c8\ub354\ub77c\ub3c4 \uc9c0\ubc29\uae08\uc735 \ud558\uc704\uad8c\uc5d0 \ud574\ub2f9\ud558\ub294 CET1\ube44\uc728 \uad6c\uac04\uc5d0\uc11c \ubc97\uc5b4\ub098\uc57c \uc0c8\ub85c\uc6b4 \uc804\ub7b5\uc744 \uc9dc\ub294 \uac8c \uac00\ub2a5\ud558\ub2e4.<\/p>\n

iM\uae08\uc735\uc740 \uccb4\uae09 \uaca9\uc0c1\uc5d0 \uc55e\uc11c \uccb4\uc9c8 \uac1c\uc120\uc744 \ubc14\ud0d5\uc73c\ub85c \uc790\ubcf8\uc801\uc815\uc131\uc744 \ubcf4\uc644\ud558\uae30\ub85c \ud588\ub2e4. \uc790\uccb4\uc801\uc778 \uc601\uc5c5 \uc804\ub7b5\uacfc \ub300\uc678 \ud658\uacbd \ubcc0\ud654\uc5d0 \uc720\uc5f0\ud558\uac8c \ub300\uc751\ud560 \uc218 \uc788\ub294 \uc790\ubcf8 \ubc84\ud37c(buffer)\ub97c \ub9c8\ub828\ud558\uae30\ub85c \ud588\ub2e4. iM\ubc45\ud06c\ub294 \uc9c0\ub09c\ud574 \uc2dc\uc911\uc740\ud589 \ub77c\uc774\uc120\uc2a4\ub97c \ud655\ubcf4\ud588\uc73c\ub098 \uc218\ub3c4\uad8c \uc601\uc5c5\uc5d0 \uace7\ubc14\ub85c \ud798\uc744 \uc2e3\uae30\ubcf4\ub2e4 \uae30\uc874 \uc790\uc0b0 \ub9ac\ubc38\ub7f0\uc2f1\uc744 \uc6b0\uc120\uc2dc\ud558\ub294 \ucabd\uc73c\ub85c \uac00\ub2e5\uc744 \uc7a1\uc558\ub2e4.<\/p>\n

\uc0c8\ub85c\uc6b4 \uc7ac\ubb34 \uc6d0\uce59\uc774 \uc801\uc6a9\ub418\uba74\uc11c iM\uae08\uc735 CET1\ube44\uc728\uc740 \uc6b0\uc0c1\ud5a5\ud558\uace0 \uc788\ub2e4. 2023\ub144 11.23%\ub85c 11%\ub300 \ucd08\ubc18\uc5d0 \uba38\ubb3c\uc5c8\uc9c0\ub9cc \uc9c0\ub09c\ud574 11%\ub300 \ud6c4\ubc18\uae4c\uc9c0 CET1\ube44\uc728\uc744 \ub04c\uc5b4 \uc62c\ub838\ub2e4. \uc62c \uc0c1\ubc18\uae30\uc5d0\ub294 12%\ub300\uc5d0 \uc548\ucc29\ud558\uba74\uc11c \ud55c\uc228\uc744 \ub3cc\ub838\ub2e4. CET1\ube44\uc728 12%\ub294 \uc2dc\uc7a5\uc5d0\uc11c \uc9c0\ubc29\uc740\ud589\uc9c0\uc8fc\uac00 \uc0ac\uc218\ud574\uc57c \ud560 \ub9c8\uc9c0\ub178\uc120\uc73c\ub85c \uc5ec\uaca8\uc9c0\uace0 \uc788\ub2e4.<\/p>\n

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

|\u24602010\ub144\ub300 \uacf5\uaca9\uc801 M&A\ub85c \uc790\ubcf8\ub825 \uc18c\uc9c4\u2026\uc2dc\uc911\uc740\ud589 \uc804\ud658 \ub9de\ubb3c\ub824 \ucd95\uc801\uc758 \uc2dc\uac04 iM\uae08\uc735\uc774 \uc2dc\uc911\uc740\ud589\uc9c0\uc8fc \ub3c4\uc57d\uc744 \uc704\ud574 \uc790\ubcf8 \ucd95\uc801\uc5d0 \ud798\uc4f0\uace0 \uc788\ub2e4. \uc9c0\uc8fc\uc0ac \ucd9c\ubc94 \ud6c4 \uc885\ud569\uae08\uc735\uadf8\ub8f9 \uc644\uc131\uc744 \ubaa9\ud45c\ub85c \uacf5\uaca9\uc801 \uc778\uc218\ud569\ubcd1(M&A)\uc744 \uac10\ud589\ud558\uba70 \uc790\ubcf8\ub825\uc744 \uc18c\uc9c4\ud588\uace0 \ub2e4\ub978 \uc740\ud589\uc9c0\uc8fc \ub300\ube44 \ubcf4\ud1b5\uc8fc\uc790\ubcf8(CET1)\ube44\uc728 \uc5f4\uc704\uc5d0 \ub193\uc778 \uc0c1\ud0dc\ub2e4. \uc99d\uad8c, \ubcf4\ud5d8 \ub4f1 \uacc4\uc5f4\uc0ac \ud3ec\ud2b8\ud3f4\ub9ac\uc624\ub97c \uc644\ube44\ud588\uc73c\ub098 CET1\ube44\uc728 \uad00\ub9ac \ub09c\uc774\ub3c4\ub294 \ud55c\uce35 \ub192\uc544\uc84c\ub2e4. iM\uae08\uc735\uc740 iM\ubc45\ud06c\uc758 \uc2dc\uc911\uc740\ud589 \uc804\ud658\uacfc \ub9de\ubb3c\ub824 \uc790\ubcf8\ub825 \ubcf4\uac15\uc5d0 \ub3cc\uc785\ud588\ub2e4. \ub300\ud615 […]<\/p>\n","protected":false},"author":44,"featured_media":37463,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[922,8,611],"tags":[2260,4115,1596,1862,2261,1284],"class_list":{"0":"post-37462","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-cet1","11":"tag-im","13":"tag-ma","14":"tag-2261","15":"tag-1284"},"yoast_head":"\niM\uae08\uc735, '\uccb4\uae09 \uaca9\uc0c1' \uc55e\uc11c '\uccb4\uc9c8 \uac1c\uc120' \ud798 \uc3df\ub294\ub2e4 SanctionLab<\/title>\n<meta name=\"description\" content=\"iM\uae08\uc735\uc774 \uc2dc\uc911\uc740\ud589\uc9c0\uc8fc \ub3c4\uc57d\uc744 \uc704\ud574 \uc790\ubcf8 \ucd95\uc801\uc5d0 \ud798\uc4f0\uace0 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