{"id":45535,"date":"2025-11-17T11:06:56","date_gmt":"2025-11-17T02:06:56","guid":{"rendered":"https:\/\/www.sanctionlab.com\/?p=45535"},"modified":"2025-11-18T09:57:03","modified_gmt":"2025-11-18T00:57:03","slug":"%ed%95%98%eb%82%98%ea%b8%88%ec%9c%b5-%eb%b3%b4%ed%86%b5%ec%a3%bc%ec%9e%90%eb%b3%b8%eb%b9%84%ec%9c%a8-%eb%b6%84%ea%b8%b0%eb%b3%84-%ea%b8%b0%eb%b3%b5-%ec%a4%84%ec%98%80%eb%8b%a4","status":"publish","type":"post","link":"https:\/\/www.sanctionlab.com\/?p=45535","title":{"rendered":"\ud558\ub098\uae08\uc735, \ubcf4\ud1b5\uc8fc\uc790\ubcf8\ube44\uc728 ‘\ubd84\uae30\ubcc4 \uae30\ubcf5’ \uc904\uc600\ub2e4"},"content":{"rendered":"

|\uad00\ub9ac \uc8fc\uae30 ‘\uc5f0\u2192\ubd84\uae30’ \uc870\uc728, \uc8fc\uc8fc \uc120\ud638\ub3c4 \uc0c1\uc2b9\u2026’1500\uc5b5’ \uc790\uc0ac\uc8fc \ucd94\uac00 \ub9e4\uc785 \ub3d9\ub825 \ud655\ubcf4<\/h3>\n

\ud558\ub098\uae08\uc735\uc774 \uc62c\ud574 \ubd84\uae30 \ub2e8\uc704\uc758 \ubcf4\ud1b5\uc8fc\uc790\ubcf8(CET1)\ube44\uc728 \uad00\ub9ac \uccb4\uacc4\ub97c \uc548\ucc29\uc2dc\ud0a4\ub294 \ub370 \uc131\uacf5\ud588\ub2e4. \uc9c0\ub09c\ud574\ub9cc \ud574\ub3c4 \ubd84\uae30\ubcc4\ub85c CET1\ube44\uc728 \ub4f1\ub77d\ud3ed\uc774 \ucef8\uc9c0\ub9cc \uc62c\ud574\ub294 \ubaa9\ud45c \uad6c\uac04\uc73c\ub85c \uc0bc\uace0 \uc788\ub294 13~13.5% \ub0b4\uc5d0\uc11c \uc548\uc815\uc801\uc778 \ud750\ub984\uc744 \uc720\uc9c0\ud588\ub2e4. \ub355\ubd84\uc5d0 CET1\ube44\uc728\uc5d0 \ub300\ud55c \uc608\uce21 \uac00\ub2a5\uc131\uc774 \ub192\uc544\uc84c\ub2e4.<\/p>\n

CET1\ube44\uc728 \uad00\ub9ac\uc5d0 \ub300\ud55c \uc790\uc2e0\uac10\uc744 \ubc14\ud0d5\uc73c\ub85c \ud55c\uce35 \ub354 \uac1c\uc120\ub41c \uc8fc\uc8fc\ud658\uc6d0 \uc815\ucc45\uc744 \uc120\ubcf4\uc77c \uc218 \uc788\uac8c \ub410\ub2e4. \ud558\ub098\uae08\uc735\uc740 \uc9c0\ub09c 3\ubd84\uae30 CET1\ube44\uc728\uc744 \uacf5\uac1c\ud558\uba74\uc11c 1500\uc5b5\uc6d0 \uaddc\ubaa8\uc758 \ucd94\uac00 \uc790\uc0ac\uc8fc \ub9e4\uc785 \ubc0f \uc18c\uac01 \uacc4\ud68d\uc744 \uacf5\uac1c\ud588\ub2e4. \ub9ac\ub529\uae08\uc735\uacfc \ube44\uad50\ud574\ub3c4 \uc190\uc0c9 \uc5c6\ub294 \uc218\uc900\uc758 \ubc38\ub958\uc5c5 \ud504\ub85c\uadf8\ub7a8\uc774 \uc804\uac1c\ub418\uace0 \uc788\ub2e4\ub294 \ud3c9\uac00\uac00 \ub098\uc628\ub2e4.<\/p>\n

\u25c7\uc62c\ud574 \ubd84\uae30\ubcc4 CET1\ube44\uc728 \uaca9\ucc28, \ucd5c\ub300 ’15bp’ \uadf8\uccd0<\/strong><\/p>\n

\ud558\ub098\uae08\uc735\uc774 \ubc1c\ud45c\ud55c 2025\ub144 3\ubd84\uae30 \uacbd\uc601 \uc2e4\uc801\uc5d0 \ub530\ub974\uba74 CET1\ube44\uc728 13.3%\ub97c \uae30\ub85d\ud588\ub2e4. \ud558\ub098\uae08\uc735\uc758 CET1\ube44\uc728 \uad00\ub9ac \uad6c\uac04\uc778 13~13.5%\uc5d0 \uc548\ucc29\ud588\ub2e4. \uc9c0\ub09c 1\ubd84\uae30\ub294 13.24%, 2\ubd84\uae30\ub294 13.39%\ub85c \uc62c\ub4e4\uc5b4 \ubaa9\ud45c \uad6c\uac04\uc744 \ubc97\uc5b4\ub09c \ubd84\uae30\uac00 \ud55c \ucc28\ub840\ub3c4 \uc5c6\uc5c8\ub2e4.<\/p>\n

\"\"<\/div>\n

\uc774\ub294 \uc9c0\ub09c\ud574\uc640 \ucc28\ubcc4\ud654\ub41c CET1\ube44\uc728 \ud750\ub984\uc774\ub2e4. 2024\ub144 \ud558\ub098\uae08\uc735 CET1\ube44\uc728\uc744 \ubcf4\uba74 1\ubd84\uae30 12.88%, 2\ubd84\uae30 12.8%, 3\ubd84\uae30 13.17%, 4\ubd84\uae30 13.22%\ub97c \uae30\ub85d\ud588\ub2e4. \ubd84\uae30 \uae30\uc900\uc73c\ub85c CET1\ube44\uc728 \uaca9\ucc28\uac00 \ucd5c\ub300 42bp\uae4c\uc9c0 \ubc8c\uc5b4\uc9c4 \uac83\uc774\ub2e4. \uc62c\ud574\ub294 3\ubd84\uae30\uae4c\uc9c0 15bp \ucc28\uc774\uac00 \ub098\ub294 \ub370 \uadf8\ucce4\ub2e4.<\/p>\n

\uc9c0\ub09c\ud574\uae4c\uc9c0 CET1\ube44\uc728 \ub4f1\ub77d\ud3ed\uc774 \ucef8\ub358 \uac74 \uc624\ub79c \uae30\uac04 \uc720\uc9c0\ud574 \uc628 \uc790\uc0b0 \uc131\uc7a5 \uc804\ub7b5 \uc601\ud5a5\uc774\ub2e4. \ud558\ub098\uae08\uc735\uc740 \uc804\ud1b5\uc801\uc73c\ub85c \uc0c1\ubc18\uae30\uc5d0 \uc790\uc0b0 \uc131\uc7a5\uc5d0 \uc9d1\uc911\ud558\uace0 \ud558\ubc18\uae30\uc5d0 \ubaa9\ud45c \uc790\ubcf8\ube44\uc728\uc744 \ub2ec\uc131\ud558\uae30 \uc704\ud55c \ub9ac\ubc38\ub7f0\uc2f1\uc5d0 \ub3cc\uc785\ud558\ub294 \uacbd\ud5a5\uc774 \uac15\ud588\ub2e4. \uc0c1\ubc18\uae30\uc5d0 \uc704\ud5d8\uac00\uc911\uc790\uc0b0(RWA) \uc131\uc7a5\uc774 \uc9d1\uc911\ub418\uba74\uc11c CET1\ube44\uc728\uc774 \uc77c\uc2dc\uc801\uc73c\ub85c \ud558\ub77d\ud588\ub358 \uac83\uc774\ub2e4.<\/p>\n

\uc774\uac19\uc740 CET1\ube44\uc728 \ud750\ub984\uc740 \uc8fc\uc8fc\ub4e4\uc758 \ud22c\uc790 \uc120\ud638\ub3c4\ub97c \ub0ae\ucd94\ub294 \uc694\uc778\uc73c\ub85c \uc791\uc6a9\ud55c\ub2e4. \ub9e4\ubd84\uae30 \uc8fc\uc8fc\ud658\uc6d0 \uc815\ucc45\uc5d0 \ub300\ud55c \uc608\uce21 \uac00\ub2a5\uc131\uc774 \ub0ae\uc544\uc9c0\uae30 \ub54c\ubb38\uc774\ub2e4. \uc5c5\ud669 \uc0ac\uc774\ud074\uc774 \uc874\uc7ac\ud558\ub294 \ub2e4\ub978 \uc0b0\uc5c5\uad70\uacfc \ub2ec\ub9ac \uc740\ud589\uc5c5\uc740 CET1\ube44\uc728\uc744 \ud1b5\ud574 \ubc30\ub2f9\uacfc \uc790\uc0ac\uc8fc \uc815\ucc45\uc744 \uc815\ub9bd\ud560 \uc218 \uc788\uc74c\uc5d0\ub3c4 \uc774\ub97c \uad00\ub9ac\ud558\uc9c0 \uc54a\uc73c\uba74 \uc8fc\uc8fc\uce5c\ud654\uc801\uc774\uc9c0 \uc54a\ub2e4\ub294 \uc778\uc0c1\uc744 \ub0a8\uae38 \uc218 \uc788\ub2e4.<\/p>\n

\uc62c\ud574 \ud558\ub098\uae08\uc735\uc740 \uc8fc\uc8fc\ud658\uc6d0 \uc815\ucc45\uc744 \uc9c4\uc77c\ubcf4\uc2dc\ud0a4\ub294 \ucc28\uc6d0\uc5d0\uc11c CET1\ube44\uc728 \uad00\ub9ac \uccb4\uacc4\ub97c \uace0\ub3c4\ud654\ud588\ub2e4. \uadf8\uac04 \uc5f0\uac04 CET1\ube44\uc728 \ubaa9\ud45c\uce58 \ub2ec\uc131\uc5d0 \uc8fc\ub825\ud588\ub2e4\uba74 \uc774\uc820 \ubd84\uae30\ubcc4\ub85c \ubaa9\ud45c \uad6c\uac04 \ub0b4\uc5d0 \uba38\ubb34\ub974\ub3c4\ub85d \uacf5\uc744 \ub4e4\uc774\uace0 \uc788\ub2e4. \ubd84\uae30\ubcc4\ub85c \uc608\uce21 \uac00\ub2a5\ud55c \uc218\uc900 \ub0b4\uc5d0\uc11c RWA \uc131\uc7a5\uc744 \ucd94\uc9c4\ud574 CET1\ube44\uc728 \ub4f1\ub77d\uc744 \ucd5c\uc18c\ud654\ud558\uace0 \uc774\ub97c \ubc14\ud0d5\uc73c\ub85c \uc8fc\uc8fc\ud658\uc6d0 \uc815\ucc45\uc744 \uc815\ub9bd\ud558\uace0 \uc788\ub2e4.<\/p>\n

\u25c7\uc548\uc815\uc801 CET1\ube44\uc728, \ucd94\uac00 \uc790\uc0ac\uc8fc \uc18c\uac01 \uc6d0\ucc9c<\/strong><\/p>\n

\ud558\ub098\uae08\uc735\uc740 \uc62c\ud574 CET1\ube44\uc728 \ubd84\uae30\ubcc4\ub85c \uad00\ub9ac\ud558\ub294 \ub3d9\uc2dc\uc5d0 \ubd84\uae30 \uade0\ub4f1\ubc30\ub2f9\uc744 \ub3c4\uc785\ud588\ub2e4. \uadf8\uac04 \uc5f0 \ub2e8\uc704\ub85c CET1\ube44\uc728\uc744 \uad00\ub9ac\ud574 \uc5f0\ub9d0 \ubc30\ub2f9\uc774 \uac00\uc7a5 \ud070 \uad6c\uc870\ub97c \uc720\uc9c0\ud588\uc73c\ub098 \uc62c\ud574\ubd80\ud134 \ubd84\uae30\ubcc4\ub85c \uac19\uc740 \uae08\uc561\uc774 \uc8fc\uc8fc\uc5d0\uac8c \ubc30\ub2f9\uc73c\ub85c \uc9c0\uae09\ub410\ub2e4. \ubd84\uae30 \uade0\ub4f1\ubc30\ub2f9\uc740 \uae00\ub85c\ubc8c \uc2a4\ud0e0\ub2e4\ub4dc\ub85c \uc8fc\uc8fc\ub4e4\uc758 \ud22c\uc790 \uc120\ud638\ub3c4\ub97c \ub192\uc774\ub294 \ud658\uc6d0 \ubc29\uce68 \uc911 \ud558\ub098\ub2e4.<\/p>\n

\ubc30\ub2f9 \ubfd0\ub9cc \uc544\ub2c8\ub77c \uc790\uc0ac\uc8fc \uc815\ucc45\ub3c4 \ud55c \ub2e8\uacc4 \ubc1c\uc804\uc2dc\ud0ac \uc218 \uc788\uc5c8\ub2e4. \ud558\ub098\uae08\uc735\uc740 \uc9c0\ub09c 3\ubd84\uae30 \uc2e4\uc801\uc744 \ubc1c\ud45c\ud558\uba74\uc11c 1500\uc5b5\uc6d0 \uaddc\ubaa8\uc758 \uc790\uc0ac\uc8fc \ucd94\uac00 \ub9e4\uc785 \ubc0f \uc18c\uac01 \uacc4\ud68d\uc744 \uacf5\uac1c\ud588\ub2e4. \uc9c0\ub09c 2\uc6d4 4000\uc5b5\uc6d0 \uaddc\ubaa8\uc758 \ub9e4\uc785 \ubc0f \uc18c\uac01 \uacc4\ud68d\uc744 \ubc1c\ud45c\ud588\uace0 \uc774\ub97c \uc644\ub8cc\ud55c \ub370 \uc774\uc5b4 \ucd94\uac00 \uc8fc\uc8fc\ud658\uc6d0 \uacc4\ud68d\uc744 \ub0b4\ub193\uc740 \uac83\uc774\ub2e4.<\/p>\n

\uc548\uc815\uc801\uc778 CET1\ube44\uc728\uc774 \ucd94\uac00 \uc790\uc0ac\uc8fc \uc815\ucc45\uc744 \uc120\ubcf4\uc774\ub294 \uc6d0\ucc9c\uc774 \ub410\ub2e4. \ubc30\ub2f9\uc774\ub098 \uc790\uc0ac\uc8fc \ub9e4\uc785 \ubc0f \uc18c\uac01 \uc815\ucc45\uc740 \ud55c\ubc88 \ud655\ub300\ud558\uba74 \ub2e4\uc2dc \ucd95\uc18c\ud558\uae30 \uc5b4\ub835\ub2e4. \uc8fc\uc8fc\ud658\uc6d0 \ucd95\uc18c\ub294 \uc8fc\uc8fc \uc2e4\ub9dd\uac10\uc73c\ub85c \uc774\uc5b4\uc838 \uae30\uc5c5\uac00\uce58 \ud558\ub77d\uc73c\ub85c \uc774\uc5b4\uc9c8 \uac00\ub2a5\uc131\uc774 \ub192\uae30 \ub54c\ubb38\uc774\ub2e4. CET1\ube44\uc728\uc744 \ubaa9\ud45c\uce58 \ub0b4\uc5d0\uc11c \uad00\ub9ac\ud558\uba74\uc11c \uc8fc\uc8fc\ud658\uc6d0\uc744 \uafb8\uc900\ud788 \ub298\ub9b4 \uc218 \uc788\ub2e4\uace0 \ubcf4\uace0 \uc790\uc0ac\uc8fc \uc18c\uac01 \uaddc\ubaa8\ub97c \ud655\ub300\ud55c \uac83\uc73c\ub85c \ud480\uc774\ub41c\ub2e4.<\/p>\n

\ud658\uc728 \ubcc0\ub3d9\uc131\uc5d0 \uc801\uc808\ud788 \ub300\uc751\ud558\uace0 \uc788\ub294 \uac83\ub3c4 \uc8fc\uc8fc\ud658\uc6d0\uc744 \ud655\ub300\ud560 \uc218 \uc788\uc5c8\ub358 \uc694\uc778\uc774\ub2e4. \ud558\ub098\uae08\uc735\uc740 \ub2e4\ub978 \uae08\uc735\uc9c0\uc8fc\uc5d0 \ube44\ud574 \ud658\uc728 \ubbfc\uac10\ub3c4\uac00 \ub192\uc740 \ud3b8\uc774\ub2e4. \uc61b \uc678\ud658\uc740\ud589\uacfc \ud569\ubcd1\ud55c \uc601\ud5a5\uc73c\ub85c \ud658\uc728 \ub4f1\ub77d\uc5d0 \uc601\ud5a5\uc744 \ubc1b\ub294 \uc790\uc0b0 \uaddc\ubaa8\uac00 \ud070 \uc601\ud5a5\uc774\ub2e4. \uc62c\ud574 \ud658\uc728 \ubcc0\ub3d9\uc774 \ucef8\uc74c\uc5d0\ub3c4 \ubd88\uad6c\ud558\ub3c4 CET1\ube44\uc728\uc744 \uc548\uc815\uc801\uc73c\ub85c \uad00\ub9ac\ud558\ub294 \ub370 \uc131\uacf5\ud588\ub2e4.<\/p>\n

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

|\uad00\ub9ac \uc8fc\uae30 ‘\uc5f0\u2192\ubd84\uae30’ \uc870\uc728, \uc8fc\uc8fc \uc120\ud638\ub3c4 \uc0c1\uc2b9\u2026’1500\uc5b5’ \uc790\uc0ac\uc8fc \ucd94\uac00 \ub9e4\uc785 \ub3d9\ub825 \ud655\ubcf4 \ud558\ub098\uae08\uc735\uc774 \uc62c\ud574 \ubd84\uae30 \ub2e8\uc704\uc758 \ubcf4\ud1b5\uc8fc\uc790\ubcf8(CET1)\ube44\uc728 \uad00\ub9ac \uccb4\uacc4\ub97c \uc548\ucc29\uc2dc\ud0a4\ub294 \ub370 \uc131\uacf5\ud588\ub2e4. \uc9c0\ub09c\ud574\ub9cc \ud574\ub3c4 \ubd84\uae30\ubcc4\ub85c CET1\ube44\uc728 \ub4f1\ub77d\ud3ed\uc774 \ucef8\uc9c0\ub9cc \uc62c\ud574\ub294 \ubaa9\ud45c \uad6c\uac04\uc73c\ub85c \uc0bc\uace0 \uc788\ub294 13~13.5% \ub0b4\uc5d0\uc11c \uc548\uc815\uc801\uc778 \ud750\ub984\uc744 \uc720\uc9c0\ud588\ub2e4. \ub355\ubd84\uc5d0 CET1\ube44\uc728\uc5d0 \ub300\ud55c \uc608\uce21 \uac00\ub2a5\uc131\uc774 \ub192\uc544\uc84c\ub2e4. CET1\ube44\uc728 \uad00\ub9ac\uc5d0 \ub300\ud55c \uc790\uc2e0\uac10\uc744 \ubc14\ud0d5\uc73c\ub85c \ud55c\uce35 \ub354 \uac1c\uc120\ub41c \uc8fc\uc8fc\ud658\uc6d0 \uc815\ucc45\uc744 \uc120\ubcf4\uc77c […]<\/p>\n","protected":false},"author":44,"featured_media":22875,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[922,8,611],"tags":[2260,2261,3878,1484],"class_list":{"0":"post-45535","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-3878","13":"tag-1484"},"yoast_head":"\n\ud558\ub098\uae08\uc735, \ubcf4\ud1b5\uc8fc\uc790\ubcf8\ube44\uc728 '\ubd84\uae30\ubcc4 \uae30\ubcf5' \uc904\uc600\ub2e4 SanctionLab<\/title>\n<meta name=\"description\" content=\"\ud558\ub098\uae08\uc735\uc774 \uc62c\ud574 \ubd84\uae30 \ub2e8\uc704\uc758 \ubcf4\ud1b5\uc8fc\uc790\ubcf8(CET1)\ube44\uc728 \uad00\ub9ac \uccb4\uacc4\ub97c \uc548\ucc29\uc2dc\ud0a4\ub294 \ub370 \uc131\uacf5\ud588\ub2e4. \uc9c0\ub09c\ud574\ub9cc \ud574\ub3c4 \ubd84\uae30\ubcc4\ub85c CET1\ube44\uc728 \ub4f1\ub77d\ud3ed\uc774 \ucef8\uc9c0\ub9cc \uc62c\ud574\ub294 \ubaa9\ud45c \uad6c\uac04\uc73c\ub85c \uc0bc\uace0 \uc788\ub294 13~13.5% \ub0b4\uc5d0\uc11c \uc548\uc815\uc801\uc778 \ud750\ub984\uc744 \uc720\uc9c0\ud588\ub2e4.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.sanctionlab.com\/?p=45535\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\ud558\ub098\uae08\uc735, \ubcf4\ud1b5\uc8fc\uc790\ubcf8\ube44\uc728 '\ubd84\uae30\ubcc4 \uae30\ubcf5' \uc904\uc600\ub2e4 SanctionLab\" \/>\n<meta property=\"og:description\" content=\"\ud558\ub098\uae08\uc735\uc774 \uc62c\ud574 \ubd84\uae30 \ub2e8\uc704\uc758 \ubcf4\ud1b5\uc8fc\uc790\ubcf8(CET1)\ube44\uc728 \uad00\ub9ac \uccb4\uacc4\ub97c \uc548\ucc29\uc2dc\ud0a4\ub294 \ub370 \uc131\uacf5\ud588\ub2e4. \uc9c0\ub09c\ud574\ub9cc \ud574\ub3c4 \ubd84\uae30\ubcc4\ub85c CET1\ube44\uc728 \ub4f1\ub77d\ud3ed\uc774 \ucef8\uc9c0\ub9cc \uc62c\ud574\ub294 \ubaa9\ud45c \uad6c\uac04\uc73c\ub85c \uc0bc\uace0 \uc788\ub294 13~13.5% \ub0b4\uc5d0\uc11c \uc548\uc815\uc801\uc778 \ud750\ub984\uc744 \uc720\uc9c0\ud588\ub2e4.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.sanctionlab.com\/?p=45535\" \/>\n<meta property=\"og:site_name\" content=\"SanctionLab\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-17T02:06:56+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-18T00:57:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.sanctionlab.com\/wp-content\/uploads\/2025\/04\/20250108124332664.png\" \/>\n\t<meta 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