{"id":44239,"date":"2025-10-30T13:32:54","date_gmt":"2025-10-30T04:32:54","guid":{"rendered":"https:\/\/www.sanctionlab.com\/?p=44239"},"modified":"2025-11-02T05:40:31","modified_gmt":"2025-11-01T20:40:31","slug":"%ec%9a%b0%eb%a6%ac%ea%b8%88%ec%9c%b5-%eb%b3%b4%ed%97%98%ec%82%ac-%ec%9d%b8%ec%88%98%c2%b7%ec%9e%90%eb%b3%b8%eb%b9%84%ec%9c%a8-%ea%b0%9c%ec%84%a0-%ec%95%bd%ec%86%8d-%ec%a7%80%ec%bc%b0%eb%8b%a4","status":"publish","type":"post","link":"https:\/\/www.sanctionlab.com\/?p=44239","title":{"rendered":"\uc6b0\ub9ac\uae08\uc735, ‘\ubcf4\ud5d8\uc0ac \uc778\uc218\u00b7\uc790\ubcf8\ube44\uc728 \uac1c\uc120’ \uc57d\uc18d \uc9c0\ucf30\ub2e4"},"content":{"rendered":"

|\ubcf4\ud1b5\uc8fc\uc790\ubcf8\ube44\uc728 13% \ub2ec\uc131 \ub208\uc55e\u2026\ub3d9\uc591\uc0dd\uba85 \uc778\uc218 \uc601\ud5a5 \ucd5c\uc18c\ud654 \uc131\uacf5<\/h3>\n

\uc6b0\ub9ac\uae08\uc735\uc774 \ubcf4\ud1b5\uc8fc\uc790\ubcf8(CET1)\ube44\uc728 \uc0c1\uc2b9 \ud750\ub984\uc744 \uc774\uc5b4\uac14\ub2e4. \uc62c\ud574 3\ubd84\uae30\ub294 \uc6b0\ub9ac\uae08\uc735\uc758 \uc790\ubcf8\ube44\uc728 \uac1c\uc120 \ubd84\uc218\ub839\uc774\uc5c8\ub2e4. \ub3d9\uc591\uc0dd\uba85\uacfc ABL\uc0dd\uba85\uc744 \uc790\ud68c\uc0ac\ub85c \ud3b8\uc785\ud558\uba74\uc11c CET1\ube44\uc728\uc774 \uc545\ud654\ub420 \uc218 \uc788\ub2e4\ub294 \uc6b0\ub824\uac00 \uc788\uc5c8\uae30 \ub54c\ubb38\uc774\ub2e4. \uc6b0\ub9ac\uae08\uc735\uc740 M&A \ucd94\uc9c4 \ub2e8\uacc4\ubd80\ud130 \uacf5\uc5b8\ud55c\ub300\ub85c \uc790\ubcf8\ube44\uc728 \uc601\ud5a5\uc744 \ucd5c\uc18c\ud654\ud558\ub294 \ub370 \uc131\uacf5\ud588\ub2e4.<\/p>\n

CET1\ube44\uc728 13% \ub2ec\uc131\uc744 \ub208\uc55e\uc5d0 \ub450\uba74\uc11c \uc8fc\uc8fc\ud658\uc6d0 \uac15\ud654 \uae30\ub300\uac10\uc774 \uc870\uc131\ub418\uace0 \uc788\ub2e4. \uc6b0\ub9ac\uae08\uc735\uc740 12%\ub300\uc5d0 \uba38\ubb34\ub978 CET1\ube44\uc728\uc744 \uc758\uc2dd\ud574 4\ub300 \uae08\uc735 \uc911 \uc0c1\ub300\uc801\uc73c\ub85c \uc791\uc740 \uc790\uc0ac\uc8fc \uc18c\uac01 \uaddc\ubaa8\ub97c \uc720\uc9c0\ud574\uc654\ub2e4. CET1\ube44\uc728\uc774 13%\ub300\uc5d0 \uc548\ucc29\ud558\uace0 \ubcf4\ud5d8\uc0ac \uc774\uc775 \uae30\uc5ec\ub3c4\uac00 \ub192\uc544\uc9c0\uba74 \uc8fc\uc8fc\ud658\uc6d0 \ub808\ubca8\uc744 \ub192\uc77c \uc218 \uc788\uc744 \uac83\uc73c\ub85c \uad00\uce21\ub41c\ub2e4.<\/p>\n

\u25c7\uc62c\ud574\ub9cc CET1\ube44\uc728 80bp \uac1c\uc120<\/strong><\/p>\n

\uc6b0\ub9ac\uae08\uc735\uc740 2025\ub144 3\ubd84\uae30 \ub9d0 \uae30\uc900 CET1\ube44\uc728 12.92%\ub97c \uae30\ub85d\ud55c \uac83\uc73c\ub85c \uc9d1\uacc4\ub410\ub2e4. \uc9c0\ub09c 6\uc6d4\ub9d0\uacfc \ube44\uad50\ud574 10bp \uc0c1\uc2b9\ud588\ub2e4. \uc9c0\ub09c\ud574 \ub9d0\uacfc \ube44\uad50\ud558\uba74 79bp \uc62c\ub790\ub2e4. \uc138 \ubd84\uae30 \ub3d9\uc548 80bp\uc5d0 \uc721\ubc15\ud558\ub294 \uc99d\uac00\ud3ed\uc744 \ub2ec\uc131\ud55c \uac83\uc774\ub2e4.<\/p>\n

\"\"<\/div>\n

CET1\ube44\uc728 \uad00\ub9ac\ub294 \uc62c\ud574 \uc6b0\ub9ac\uae08\uc735\uc758 \ucd5c\uc6b0\uc120 \uacbd\uc601 \ubc29\uce68\uc774\uc5c8\ub2e4. \uc9c0\ub09c\ud574 \uae30\uc5c5\uae08\uc735 \uc601\uc5c5\uc5d0 \ub300\ub300\uc801\uc73c\ub85c \ud798\uc744 \uc2e4\uc5c8\uc73c\ub098 \uc704\ud5d8\uac00\uc911\uc790\uc0b0(RWA) \uc0c1\uc2b9\ub960\uc744 \ud1b5\uc81c\ud558\ub294 \ub370 \uc5b4\ub824\uc6c0\uc744 \uacaa\uc5c8\uace0 \uc5ec\uae30\uc5d0 \ud658\uc728 \uc0c1\uc2b9 \ubcc0\uc218\uac00 \uacb9\uce58\uba74\uc11c CET1\ube44\uc728 \uad00\ub9ac\uc5d0 \uace0\uc804\uc744 \uba74\uce58 \ubabb\ud588\ub2e4. \uc62c\ud574\ub294 \uc601\uc5c5\uc5d0 \ub2e4\uc18c \ud798\uc744 \ube7c\ub354\ub77c\ub3c4 \uc911\uc7a5\uae30\uc801\uc73c\ub85c \uc720\uc9c0 \uac00\ub2a5\ud55c \uc790\ubcf8\ube44\uc728\uc5d0 \ub3c4\ub2ec\ud558\ub294 \uac83\uc744 \uc6b0\uc120\uc2dc\ud588\ub2e4.<\/p>\n

\ud2b9\ud788 \ubcf4\ud5d8\uc0ac \uc778\uc218\uac00 CET1\ube44\uc728 \uad00\ub9ac\uc5d0 \ubcc0\uc218\uac00 \ub420 \uac83\uc774\ub780 \uc6b0\ub824\uac00 \uc788\uc5c8\ub2e4. \uc2dc\uc7a5\uc740 \ub3d9\uc591\uc0dd\uba85\uacfc ABL\uc0dd\uba85 \uc778\uc218\ub97c \ucd94\uc9c4\ud558\ub294 \uacfc\uc815\ubd80\ud130 \uc790\ubcf8\ube44\uc728 \uad00\ub9ac \ubd80\ub2f4\uc774 \ucee4\uc9c8 \uc218 \uc788\ub2e4\ub294 \uc758\uad6c\uc2ec\uc744 \ub5a8\uccd0\ub0b4\uc9c0 \ubabb\ud588\ub2e4. \ucd94\ud6c4 \ubcf4\ud5d8\uc0ac\uc5d0 \ub300\ud55c \ucd94\uac00\uc801\uc778 \uc790\ubcf8 \ud655\ucda9\uc774 \ud544\uc694\ud560 \uc218 \uc788\ub2e4\ub294 \uc810\uae4c\uc9c0 \uace0\ub824\ud558\uba74 \uc790\ubcf8\ube44\uc728\uc774 \uc548\uc815 \uada4\ub3c4\uc5d0 \uc624\ub974\uc9c0 \ubabb\ud588\ub2e4\uace0 \ubcf4\ub294 \uc2dc\uac01\uc774 \ub9ce\uc558\ub2e4.<\/p>\n

\uc6b0\ub9ac\uae08\uc735\uc740 \uc9c0\ub09c\ud574 \ub3d9\uc591\uc0dd\uba85\uacfc ABL\uc0dd\uba85 M&A\ub97c \ucd94\uc9c4\ud560 \ub54c\ubd80\ud130 CET1\ube44\uc728\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc744 \ucd5c\uc18c\ud654\ud558\uaca0\ub2e4\ub294 \ubc29\uce68\uc744 \uac70\ub4ed \ubc1d\ud614\ub2e4. \ub450 \ubcf4\ud5d8\uc0ac \uc778\uc218\ub97c \ucd94\uc9c4\ud560 \ub54c\ubd80\ud130 CET1\ube44\uc728\uc5d0 \ud070 \ubcc0\ud654 \uc5c6\uc774 \uc778\uc218\uac00 \uac00\ub2a5\ud558\ub2e4\ub294 \uc810\uc5d0 \uc8fc\ubaa9\ud588\ub2e4. \uc790\ud68c\uc0ac \ud3b8\uc785 \ud6c4 \uae30\uc900\uc73c\ub85c \uccab \uacf5\uac1c\ub41c \uc790\ubcf8\ube44\uc728\uc744 \ud1b5\ud574 \ub9e4\ubb3c \uc120\ud0dd\uc774 \ud2c0\ub9ac\uc9c0 \uc54a\uc558\uc74c\uc744 \uc785\uc99d\ud588\ub2e4.<\/p>\n

\uc6b0\ub9ac\uae08\uc735\uc740 CET1\ube44\uc728 \ud558\ub77d \uc5c6\uc774 \ubcf4\ud5d8\uc0ac\ub97c \uacc4\uc5f4\uc0ac\ub85c \ucd94\uac00\ud558\uba74\uc11c \ub610 \ub2e4\ub978 \uc2e0\uc0dd \uacc4\uc5f4\uc0ac\uc778 \uc6b0\ub9ac\ud22c\uc790\uc99d\uad8c\uc5d0 \ud798\uc744 \uc2e4\uc744 \uc218 \uc788\uac8c \ub410\ub2e4. \ud5a5\ud6c4 5\ub144\uac04 80\uc870\uc6d0 \uaddc\ubaa8\uc758 \uc0dd\uc0b0\uc801 \uae08\uc735\uc744 \uc774\ud589\ud558\uba74\uc11c \uc6b0\ud22c\uc99d\uad8c \uc911\uc2ec\uc73c\ub85c \ubaa8\ud5d8\uc790\ubcf8 \uacf5\uae09\uc744 \ud65c\uc131\ud654\ud55c\ub2e4\ub294 \uad6c\uc0c1\uc774\ub2e4. \uc99d\uad8c\uc0ac \uc790\uc0b0\uc740 \uc0c1\ub300\uc801\uc73c\ub85c \uc704\ud5d8\uac00\uc911\uce58\uac00 \ub192\uc544 \uc548\uc815\uc801\uc778 CET1\ube44\uc728\ub85c \ub4b7\ubc1b\uce68\uc774 \ud544\uc694\ud558\ub2e4.<\/p>\n

\"\"<\/div>\n

\u25c7’4\ub300 \uae08\uc735’ \uac78\ub9de\uc740 \uc8fc\uc8fc\ud658\uc6d0 \uae30\ub300\uac10<\/strong><\/p>\n

\uc6b0\ub9ac\uae08\uc735\uc774 CET1\ube44\uc728 13%\ub300 \uc9c4\uc785\uc744 \ub208\uc55e\uc5d0 \ub450\uba74\uc11c \ubc38\ub958\uc5c5 \ud504\ub85c\uadf8\ub7a8 \uc5c5\uadf8\ub808\uc774\ub4dc \uc5ec\ubd80\uc5d0\ub3c4 \uad00\uc2ec\uc774 \ubaa8\uc774\uace0 \uc788\ub2e4. \uc6b0\ub9ac\uae08\uc735 \uc8fc\uc8fc\ud658\uc6d0 \uc815\ucc45\uc740 KB\uae08\uc735, \uc2e0\ud55c\uae08\uc735, \ud558\ub098\uae08\uc735 \ub4f1\uacfc \ube44\uad50\ud574 \uc790\uc0ac\uc8fc \ub9e4\uc785\u00b7\uc18c\uac01 \uce21\uba74\uc5d0\uc11c \uc0c1\ub300\uc801\uc73c\ub85c \uc544\uc27d\ub2e4\ub294 \ud3c9\uac00\ub97c \ubc1b\uace0 \uc788\ub2e4. 4\ub300 \uae08\uc735\uc73c\ub85c \ubd84\ub958\ub418\uc9c0\ub9cc \ub2e4\ub978 \uae08\uc735\uc9c0\uc8fc\uc640 \ub2ec\ub9ac 12%\ub300 CET1\ube44\uc728\uc5d0 \uba38\ubb34\ub978 \uc601\ud5a5\uc774\ub2e4.<\/p>\n

\uc6b0\ub9ac\uae08\uc735\uc740 \uc62c\ud574 CET1\ube44\uc728 \uac1c\uc120\uacfc \ub9de\ubb3c\ub824 \uc790\uc0ac\uc8fc \ub9e4\uc785\u00b7\uc18c\uac01 \uaddc\ubaa8\ub97c \ud655\ub300\ud588\ub2e4. \uc9c0\ub09c\ud574 1366\uc5b5\uc6d0\uacfc \ube44\uad50\ud574 \uc62c\ud574\ub294 1500\uc5b5\uc6d0\uc73c\ub85c 134\uc5b5\uc6d0(9.8%) \uc99d\uac00\ud588\ub2e4. \ub2e4\ub9cc \ub2e4\ub978 \uae08\uc735\uc9c0\uc8fc\uc640 \ube44\uad50\ud558\uba74 \uc5ec\uc804\ud788 \uc544\uc26c\uc6b4 \uc218\uc900\uc774\ub2e4. KB\uae08\uc735, \uc2e0\ud55c\uae08\uc735, \ud558\ub098\uae08\uc735\uc740 \uc62c\ud574 8000\uc5b5\uc6d0\uc744 \uc6c3\ub3c4\ub294 \uc790\uc0ac\uc8fc \ub9e4\uc785\u00b7\uc18c\uac01 \uacc4\ud68d\uc744 \uc774\ud589\ud558\uace0 \uc788\ub2e4.<\/p>\n

\uc6b0\ub9ac\uae08\uc735\uc774 4\ub300 \uae08\uc735\uc5d0 \uac78\ub9de\uc740 \uc8fc\uc8fc\ud658\uc6d0 \uc218\uc900\uc5d0 \ub3c4\ub2ec\ud558\ub824\uba74 \ubcf4\ud5d8\uc0ac \uc774\uc775 \uae30\uc5ec\ub3c4\ub97c \ub192\uc5ec CET1\ube44\uc728 \ucd94\uac00 \uc0c1\uc2b9\uc744 \ub3c4\ubaa8\ud574\uc57c \ud55c\ub2e4. \uc9c0\ub09c 3\ubd84\uae30 \ub3d9\uc591\uc0dd\uba85\uacfc ABL\uc0dd\uba85 \uc778\uc218 \uc5fc\uac00\ub9e4\uc218\ucc28\uc775\uc774 \ubc1c\uc0dd\ud558\uba74\uc11c \ubd84\uae30 \uc21c\uc774\uc775 1\uc870\uc6d0\uc744 \ub118\uc5b4\uc130\uc9c0\ub9cc \uc77c\ud68c\uc131 \uc694\uc778\uc774 \ubc30\uc81c\ub41c \ud6c4\uc5d0\ub3c4 \uc2e4\uc801\uc744 \uc720\uc9c0\ud558\ub294 \uac74 \ub9cc\ub9cc\uce58 \uc54a\uc740 \uacfc\uc81c\ub2e4.<\/p>\n

\uc6b0\ud22c\uc99d\uad8c \uc131\uc7a5\uc5d0\ub3c4 \uae30\ub300\ub97c \uac78\uc5b4\uc57c \ud55c\ub2e4. \uc6b0\ud22c\uc99d\uad8c\uc740 2\ub144 \uc804 5000\uc5b5\uc6d0 \uaddc\ubaa8\uc758 \uc99d\uc790\ub97c \ub2e8\ud589\ud588\uc73c\ub098 \uc544\uc9c1 \uc21c\uc774\uc775 \uae30\uc5ec\ub3c4\ub294 \ubbf8\ubbf8\ud558\ub2e4. \uc6b0\ub9ac\uae08\uc735\uc740 \uc870\ub9cc\uac04 \ucd94\uac00 \uc99d\uc790\ub97c \ud1b5\ud574 \uc6b0\ud22c\uc99d\uad8c\uc5d0 \ud798\uc744 \uc2e4\uc5b4\uc900\ub2e4\ub294 \ubc29\uce68\uc774\ub2e4. \uc6b0\ud22c\uc99d\uad8c \uc131\uc7a5\uc73c\ub85c RWA\uac00 \ud655\ub300\ub418\uace0 \uc790\ubcf8\ube44\uc728 \ud558\ub77d \uc555\ub825\uc774 \ucee4\uc9c0\ub294 \ub9cc\ud07c \uc218\uc775\uc131\uc744 \ud655\ubcf4\ud574\uc57c \ud55c\ub2e4.<\/p>\n

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

|\ubcf4\ud1b5\uc8fc\uc790\ubcf8\ube44\uc728 13% \ub2ec\uc131 \ub208\uc55e\u2026\ub3d9\uc591\uc0dd\uba85 \uc778\uc218 \uc601\ud5a5 \ucd5c\uc18c\ud654 \uc131\uacf5 \uc6b0\ub9ac\uae08\uc735\uc774 \ubcf4\ud1b5\uc8fc\uc790\ubcf8(CET1)\ube44\uc728 \uc0c1\uc2b9 \ud750\ub984\uc744 \uc774\uc5b4\uac14\ub2e4. \uc62c\ud574 3\ubd84\uae30\ub294 \uc6b0\ub9ac\uae08\uc735\uc758 \uc790\ubcf8\ube44\uc728 \uac1c\uc120 \ubd84\uc218\ub839\uc774\uc5c8\ub2e4. \ub3d9\uc591\uc0dd\uba85\uacfc ABL\uc0dd\uba85\uc744 \uc790\ud68c\uc0ac\ub85c \ud3b8\uc785\ud558\uba74\uc11c CET1\ube44\uc728\uc774 \uc545\ud654\ub420 \uc218 \uc788\ub2e4\ub294 \uc6b0\ub824\uac00 \uc788\uc5c8\uae30 \ub54c\ubb38\uc774\ub2e4. \uc6b0\ub9ac\uae08\uc735\uc740 M&A \ucd94\uc9c4 \ub2e8\uacc4\ubd80\ud130 \uacf5\uc5b8\ud55c\ub300\ub85c \uc790\ubcf8\ube44\uc728 \uc601\ud5a5\uc744 \ucd5c\uc18c\ud654\ud558\ub294 \ub370 \uc131\uacf5\ud588\ub2e4. CET1\ube44\uc728 13% \ub2ec\uc131\uc744 \ub208\uc55e\uc5d0 \ub450\uba74\uc11c \uc8fc\uc8fc\ud658\uc6d0 \uac15\ud654 \uae30\ub300\uac10\uc774 \uc870\uc131\ub418\uace0 \uc788\ub2e4. \uc6b0\ub9ac\uae08\uc735\uc740 12%\ub300\uc5d0 \uba38\ubb34\ub978 CET1\ube44\uc728\uc744 \uc758\uc2dd\ud574 […]<\/p>\n","protected":false},"author":44,"featured_media":15371,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[922,8,611],"tags":[2260,2261,251,1000,4493],"class_list":{"0":"post-44239","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-2261","12":"tag-251","13":"tag-1000","14":"tag-4493"},"yoast_head":"\n\uc6b0\ub9ac\uae08\uc735, '\ubcf4\ud5d8\uc0ac \uc778\uc218\u00b7\uc790\ubcf8\ube44\uc728 \uac1c\uc120' \uc57d\uc18d \uc9c0\ucf30\ub2e4 SanctionLab<\/title>\n<meta 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