{"id":46861,"date":"2025-11-27T07:50:53","date_gmt":"2025-11-26T22:50:53","guid":{"rendered":"https:\/\/www.sanctionlab.com\/?p=46861"},"modified":"2025-12-01T11:59:05","modified_gmt":"2025-12-01T02:59:05","slug":"%ec%96%87%ec%9d%80-%ec%9e%90%eb%b3%b8-%ea%b8%88%eb%a6%ac%c2%b7%ea%b3%84%eb%a6%ac-%eb%b3%80%ed%99%94-%eb%aa%bb-%eb%b2%84%ed%85%bc%eb%8b%a4","status":"publish","type":"post","link":"https:\/\/www.sanctionlab.com\/?p=46861","title":{"rendered":"\uc587\uc740 \uc790\ubcf8, \uae08\ub9ac\u00b7\uacc4\ub9ac \ubcc0\ud654 \ubabb \ubc84\ud17c\ub2e4"},"content":{"rendered":"

|\u2461\uc790\ubcf8\uc7a0\uc2dd \uc804\ubd80\ud130 \ubcf4\uc778 \uc9d5\uc870\u2026IFRS17, \ud560\uc778\uc728 \ud604\uc2e4\ud654 \ub550 \uc790\ubcf8 \uac10\uc18c \uac00\uc18d<\/h3>\n

KDB\uc0dd\uba85\ubcf4\ud5d8\uc758 \uc790\ubcf8\uc801\uc815\uc131 \uc545\ud654\ub294 \uc2e0\ud68c\uacc4\uc81c\ub3c4(IFRS17)\ub97c \ub3c4\uc785\ud55c \ub4a4 \ub69c\ub837\ud574\uc84c\ub2e4. \ub2e4\ub9cc \uc790\ubcf8\uc7a0\uc2dd\uc758 \uc9d5\uc870\ub294 \uadf8 \uc774\uc804\ubd80\ud130 \ud3ec\ucc29\ub410\ub2e4. \uacbd\uc7c1\uc0ac\uc5d0 \ube44\ud574 \uc7a5\uae30\uac04 \uc790\ubcf8\uc801\uc815\uc131\uc774 \uc5f4\uc704\ud55c \uc218\uc900\uc5d0 \uba38\ubb3c\ub800\ub2e4. \uc790\ubcf8\uc774 \uc7a0\uc2dd\ub418\uae30\uae4c\uc9c0 \ud55c\uad6d\uc0b0\uc5c5\uc740\ud589\uc758 \uc9c0\uc6d0\uc5d0 \uac00\ub824\uc84c\uc744 \ubfd0\uc774\ub2e4.<\/p>\n

\uacfc\uac70\uc5d0 \ud310\ub9e4\ud55c \uace0\uae08\ub9ac \uc800\ucd95\uc131 \ubcf4\ud5d8\uc774 \uc5ed\ub9c8\uc9c4 \uad6c\uc870\ub97c \uace0\ucc29\ud55c \uc601\ud5a5\uc774\ub2e4. KDB\uc0dd\uba85\uc758 \uc790\ubcf8\uad6c\uc870\ub294 IFRS17 \uccb4\uc81c\uc5d0\uc11c \uae09\uaca9\ud788 \ud655\ub300\ud55c \uae08\ub9ac\uc640 \uacc4\ub9ac \ubcc0\ub3d9\uc131\uc5d0 \ucde8\uc57d\ud588\ub2e4. \uae30\ud0c0\ud3ec\uad04\uc190\uc2e4 \uaddc\ubaa8\ub85c\ub9cc \uc790\ubcf8\uc744 1\uc870\uc6d0 \ub118\uac8c \ucc28\uac10\ud588\ub2e4.<\/p>\n

\u25c7IFRS17 \uc804 \uc0b0\uc740 \ub3c4\uc6c0 \uc5c6\uc778 \uc790\uae30\uc790\ubcf8\ube44\uc728 2~3%<\/strong><\/p>\n

KDB\uc0dd\uba85\ubcf4\ud5d8\uc758 \uc790\uae30\uc790\ubcf8\uc774 \uae09\uaca9\ud788 \uac10\uc18c\ud55c \uac74 IFRS17\uc744 \ub3c4\uc785\ud55c 2023\ub144\ubd80\ud130\ub2e4. IFRS17\ub85c \uc778\ud55c \ubcc0\ub3d9\uc131 \ud655\ub300\ub294 KDB\uc0dd\uba85\ub9cc\uc758 \ubb38\uc81c\ub77c\uae30\ubcf4\ub2e4\ub294 \uc5c5\uacc4 \uc804\ubc18\uc801\uc778 \ud604\uc0c1\uc774\ub2e4. \ub2e4\ub9cc KDB\uc0dd\uba85\uc740 \uadf8 \uc804\ubd80\ud130 \uc790\ubcf8\uc644\ucda9\ub825\uc774 \uc0c1\ub300\uc801\uc73c\ub85c \uc5f4\uc704\ud588\ub2e4.<\/p>\n

\"\"<\/div>\n

KDB\uc0dd\uba85\uc758 2022\ub144 \ub9d0 \uc790\uae30\uc790\ubcf8\ube44\uc728\uc740 3.0%\ub85c 2019\ub144 \ub9d0 5.3%, 2020\ub144 \ub9d0 5.2%, 2021\ub144 \ub9d0 4.4%\uc5d0 \uc774\uc5b4 \uc9c0\uc18d \ud558\ub77d\ud588\ub2e4. \uc790\uc0b0 \uaddc\ubaa8\uac00 \ube44\uc2b7\ud55c \ud0c0\uc0ac\uc758 \uacbd\uc6b0 2022\ub144 \ub9d0 AIA\uc0dd\uba85\ubcf4\ud5d8 9.6%, \uba54\ud2b8\ub77c\uc774\ud504\uc0dd\uba85\ubcf4\ud5d8 6.6%, \ud478\ubcf8\ud604\ub300\uc0dd\uba85\ubcf4\ud5d8 5.2%, \ud765\uad6d\uc0dd\uba85\ubcf4\ud5d8 4.9% \ub4f1\uc73c\ub85c \uc9d1\uacc4\ub410\ub2e4.<\/p>\n

KDB\uc0dd\uba85\uc774 2018~2019\ub144 \uc790\uae30\uc790\ubcf8\ube44\uc728 5%\ub97c \ub118\uae38 \uc218 \uc788\ub358 \uac74 \ud55c\uad6d\uc0b0\uc5c5\uc740\ud589\uc758 \uc9c0\uc6d0 \ub355\uc774\ub2e4. \ubb38\uc81c\ub294 \uc790\ubcf8 \uc9c0\uc6d0\uc744 \ubc1b\uc740 \ud574\uc5d0\ub294 \uc790\uae30\uc790\ubcf8\ube44\uc728\uc774 5%\ub300\ub85c \uc62c\ub790\uc9c0\ub9cc \uc2dc\uac04\uc774 \uc9c0\ub098\uba74 \ub2e4\uc2dc 2~3%\ub300\ub85c \ub3cc\uc544\uac04\ub2e4\ub294 \uc810\uc774\ub2e4. \uc774\ub294 \uc0b0\uc5c5\uc740\ud589\uc774 KDB\uc0dd\uba85(\ub2f9\uc2dc \uae08\ud638\uc0dd\uba85)\uc744 \uc778\uc218\ud55c 2010\ub144\ubd80\ud130 \ubc18\ubcf5\ub410\ub2e4.<\/p>\n

KDB\uc0dd\uba85\uc758 \uc790\uae30\uc790\ubcf8\ube44\uc728\uc774 2022\ub144 \ube60\ub974\uac8c \uc545\ud654\ud55c \uac74 \uae08\ub9ac \uc778\uc0c1 \uc5ec\ud30c\ub2e4. \ub2f9\uc2dc \uae08\ub9ac\uac00 \ube60\ub974\uac8c \uc624\ub974\uba74\uc11c \ubcf4\uc720 \uc911\uc778 \uc7a5\uae30\ucc44\uad8c \ud3c9\uac00\uc190\uc2e4\uc774 \ubd88\uc5b4\ub0ac\ub2e4. \uc0dd\uba85\ubcf4\ud5d8\uc0ac \ud2b9\uc131\uc0c1 \uc0c1\ub300\uc801\uc73c\ub85c \ucd1d\uc790\uc0b0 \ub300\ube44 \uc7a5\uae30 \ucc44\uad8c \ube44\uc911\uc774 \ud070 \uc601\ud5a5\uc744 \ubc1b\uc558\ub2e4.<\/p>\n

\u25c7\uace0\uae08\ub9ac \uc800\ucd95\uc131, \uc790\ubcf8 \ub450\uaebc\uc6cc\uc9c8 \ud2c8 \ub9c9\uc558\ub2e4<\/strong><\/p>\n

KDB\uc0dd\uba85\uc758 \uc790\ubcf8 \uac10\uc18c\uc138\ub294 IFRS17\uc774 \ub3c4\uc785\ub41c \ub4a4 \ud55c\uce35 \uac00\ud314\ub77c\uc84c\ub2e4. \ubcf4\ud5d8\ubd80\ucc44\ub97c \uc2dc\uac00\ub85c \uc7ac\ud3c9\uac00\ud558\uace0 \ubcf4\ud5d8\uae08\uc735\uc190\uc775\uc744 \uae30\ud0c0\ud3ec\uad04\uc190\uc775\uc73c\ub85c \uc778\uc2dd\ud558\ub294 \uc0c8 \uae30\uc900\uc744 \uc801\uc6a9\ud55c \uc5ec\ud30c\ub2e4.<\/p>\n

2023\ub144 \uae30\ud0c0\ud3ec\uad04\uc190\uc775\ub204\uacc4\uc561(OCI)\uc740 \ub9c8\uc774\ub108\uc2a4(-) 5120\uc5b5\uc6d0\uc73c\ub85c \uc804\ub144 -3424\uc5b5\uc6d0 \ub300\ube44 49.5% \uc99d\uac00\ud588\ub2e4. \uc774\ud6c4 \ud560\uc778\uc728 \ud604\uc2e4\ud654\uae4c\uc9c0 \ub354\ud574\uc9c0\uba74\uc11c \uc790\ubcf8 \uac10\uc18c \ud3ed\uc774 \uae09\ud655\ub300\ud588\ub2e4. 2024\ub144 OCI\ub294 -1\uc8701609\uc5b5\uc6d0\uc73c\ub85c 1\ub144 \ub9cc\uc5d0 2.3\ubc30 \uc99d\uac00\ud588\ub2e4. OCI\ub294 \uc2dc\uc7a5 \uae08\ub9ac \ubcc0\ub3d9\uc73c\ub85c \ub2ec\ub77c\uc9c0\ub294 \uc790\uc0b0\u00b7\ubd80\ucc44 \ud3c9\uac00\uc561\uc744 \ubc18\uc601\ud55c \uc790\ubcf8 \uacc4\uc815\uc774\ub2e4.<\/p>\n

\uc0c8\ub85c\uc6b4 \ud68c\uacc4\uc81c\ub3c4\uc640 \ud560\uc778\uc728 \ud604\uc2e4\ud654\ub294 \uc5c5\uacc4 \uc804\ubc18\uc5d0 \uacf5\ud1b5\uc801\uc73c\ub85c \ub098\ud0c0\ub09c \ud604\uc0c1\uc774\ub2e4. KDB\uc0dd\uba85\ub9cc \uc720\ub3c5 \ucde8\uc57d\ud55c \uac74 \uc2ed\uc218\ub144 \uc804\ubd80\ud130 \ud314\uc544\uc628 \uace0\uae08\ub9ac \uc800\ucd95\uc131 \ubcf4\ud5d8\uc758 \uc601\ud5a5\uc774 \ucef8\ub2e4. \uace0\uae08\ub9ac\ub85c \ud314\ub358 \uac8c \uae08\ub9ac \uc778\ud558\uae30\uc5d0 \uc5ed\ub9c8\uc9c4\uc73c\ub85c \ub3cc\uc544\uc628 \uac83\uc774\ub2e4. \uc0b0\uc5c5\uc740\ud589 \uccb4\uc81c\uac00 \uc790\ub9ac \uc7a1\uc544\uac00\ub358 2014\ub144 \ubcf4\ud5d8\uacc4\uc57d\ubd80\ucc44 \uc911 \uc5f0\uae08\u00b7\uc800\ucd95 \ubd80\ubb38\uc740 65%\uc5d0 \ub2ec\ud588\ub2e4. \uc62c\ud574 3\ubd84\uae30 \ub9d0 \uae30\uc900\uc73c\ub860 56%\ub2e4.<\/p>\n

KDB\uc0dd\uba85\uc774 \uacfc\uac70\uc5d0 \ud310\ub9e4\ud55c 6%\ub300 \uace0\uae08\ub9ac \uc800\ucd95\uc131 \uc0c1\ud488\uc744 \uc7a5\uae30\uac04 \ubcf4\uc720\ud558\uba74\uc11c \uc5ed\ub9c8\uc9c4 \uad6c\uc870\uac00 \uad73\uc5b4\uc84c\ub2e4. \uc720\ub3d9\uc131 \ud655\ubcf4\ub97c \uc704\ud574 \uc0c1\ud488 \ub9cc\uae30\uc5d0 \ub9de\ucdb0 \uace0\uae08\ub9ac \uc0c1\ud488\uc744 \ud314\uae30\ub3c4 \ud588\ub2e4. \uc7a5\uae30\ubcf4\uc7a5\uc131 \ubcf4\ud5d8 \uc911\uc2ec\uc73c\ub85c \uccb4\uc9c8\uc744 \uac1c\uc120\ud55c \ud0c0\uc0ac\uc640 \ube44\uad50\ud558\uba74 \ubcf4\ud5d8\ubd80\ucc44 \ub0b4 \ubcf4\ud5d8\uacc4\uc57d\ub9c8\uc9c4(CSM) \ube44\uc911\ub3c4 \ub0ae\uc740 \ud3b8\uc774\ub2e4. \ubbf8\ub798 \uae30\ub300\uc774\uc775\uc73c\ub85c \uc790\ubcf8\uc744 \ub450\ud141\uac8c \uc313\uc744 \uc5ec\ub825\uc774 \uc791\ub2e4\ub294 \uc758\ubbf8\ub2e4.<\/p>\n

\uc21c\uc774\uc775 \ud750\ub984\uc5d0\uc11c\ub3c4 \uad6c\uc870\uc801 \ud55c\uacc4\ub97c \ub4dc\ub7ec\ub0c8\ub2e4. \uc800\ucd95\uc131 \ubcf4\ud5d8 \uc911\uc2ec \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \ud2b9\uc131\uc0c1 \uc774\uc775 \ubcc0\ub3d9\uc131\uc774 \ud070 \ub370\ub2e4 \ud3c9\uac00\uc190\uc775\ub3c4 \uae08\ub9ac \ub4f1\uc758 \uc678\uc0dd\ubcc0\uc218\uc5d0 \uc27d\uac8c \ud754\ub4e4\ub838\ub2e4. \uac1c\ubcc4 \uc5f0\ub3c4 \uae30\uc900\uc73c\ub85c \uc801\uc790\uc640 \uc18c\ud3ed \ud751\uc790\ub97c \uc624\uac00\ub294 \uad6c\uac04\uc774 \ubc18\ubcf5\ub410\ub2e4. \uc7a5\uae30\uac04 \uc774\uc775\uc789\uc5ec\uae08\uc744 \uc81c\ub300\ub85c \ucd95\uc801\ud558\uc9c0 \ubabb\ud558\uace0 \uc678\ubd80 \uc9c0\uc6d0\uc5d0 \uc758\uc874\ud55c \uad6c\uc870\uac00 \uacb0\uad6d \uc790\ubcf8\uc7a0\uc2dd\uc73c\ub85c \uc774\uc5b4\uc84c\ub2e4.<\/p>\n

\/ \uc815\ud0dc\ud604 \ub354\ubca8 \uae30\uc790<\/p>\n","protected":false},"excerpt":{"rendered":"

|\u2461\uc790\ubcf8\uc7a0\uc2dd \uc804\ubd80\ud130 \ubcf4\uc778 \uc9d5\uc870\u2026IFRS17, \ud560\uc778\uc728 \ud604\uc2e4\ud654 \ub550 \uc790\ubcf8 \uac10\uc18c \uac00\uc18d KDB\uc0dd\uba85\ubcf4\ud5d8\uc758 \uc790\ubcf8\uc801\uc815\uc131 \uc545\ud654\ub294 \uc2e0\ud68c\uacc4\uc81c\ub3c4(IFRS17)\ub97c \ub3c4\uc785\ud55c \ub4a4 \ub69c\ub837\ud574\uc84c\ub2e4. \ub2e4\ub9cc \uc790\ubcf8\uc7a0\uc2dd\uc758 \uc9d5\uc870\ub294 \uadf8 \uc774\uc804\ubd80\ud130 \ud3ec\ucc29\ub410\ub2e4. \uacbd\uc7c1\uc0ac\uc5d0 \ube44\ud574 \uc7a5\uae30\uac04 \uc790\ubcf8\uc801\uc815\uc131\uc774 \uc5f4\uc704\ud55c \uc218\uc900\uc5d0 \uba38\ubb3c\ub800\ub2e4. \uc790\ubcf8\uc774 \uc7a0\uc2dd\ub418\uae30\uae4c\uc9c0 \ud55c\uad6d\uc0b0\uc5c5\uc740\ud589\uc758 \uc9c0\uc6d0\uc5d0 \uac00\ub824\uc84c\uc744 \ubfd0\uc774\ub2e4. \uacfc\uac70\uc5d0 \ud310\ub9e4\ud55c \uace0\uae08\ub9ac \uc800\ucd95\uc131 \ubcf4\ud5d8\uc774 \uc5ed\ub9c8\uc9c4 \uad6c\uc870\ub97c \uace0\ucc29\ud55c \uc601\ud5a5\uc774\ub2e4. KDB\uc0dd\uba85\uc758 \uc790\ubcf8\uad6c\uc870\ub294 IFRS17 \uccb4\uc81c\uc5d0\uc11c \uae09\uaca9\ud788 \ud655\ub300\ud55c \uae08\ub9ac\uc640 \uacc4\ub9ac \ubcc0\ub3d9\uc131\uc5d0 \ucde8\uc57d\ud588\ub2e4. […]<\/p>\n","protected":false},"author":44,"featured_media":46863,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[922,8,611],"tags":[988,8335,1893,3091,5606],"class_list":{"0":"post-46861","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-ifrs17","11":"tag-kdb","12":"tag-1893","13":"tag-3091","14":"tag-5606"},"yoast_head":"\n\uc587\uc740 \uc790\ubcf8, \uae08\ub9ac\u00b7\uacc4\ub9ac \ubcc0\ud654 \ubabb \ubc84\ud17c\ub2e4 SanctionLab<\/title>\n<meta name=\"description\" content=\"KDB\uc0dd\uba85\ubcf4\ud5d8\uc758 \uc790\ubcf8\uc801\uc815\uc131 \uc545\ud654\ub294 \uc2e0\ud68c\uacc4\uc81c\ub3c4(IFRS17)\ub97c \ub3c4\uc785\ud55c \ub4a4 \ub69c\ub837\ud574\uc84c\ub2e4. \ub2e4\ub9cc \uc790\ubcf8\uc7a0\uc2dd\uc758 \uc9d5\uc870\ub294 \uadf8 \uc774\uc804\ubd80\ud130 \ud3ec\ucc29\ub410\ub2e4. \uacbd\uc7c1\uc0ac\uc5d0 \ube44\ud574 \uc7a5\uae30\uac04 \uc790\ubcf8\uc801\uc815\uc131\uc774 \uc5f4\uc704\ud55c \uc218\uc900\uc5d0 \uba38\ubb3c\ub800\ub2e4. \uc790\ubcf8\uc774 \uc7a0\uc2dd\ub418\uae30\uae4c\uc9c0 \ud55c\uad6d\uc0b0\uc5c5\uc740\ud589\uc758 \uc9c0\uc6d0\uc5d0 \uac00\ub824\uc84c\uc744 \ubfd0\uc774\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=46861\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\uc587\uc740 \uc790\ubcf8, \uae08\ub9ac\u00b7\uacc4\ub9ac \ubcc0\ud654 \ubabb \ubc84\ud17c\ub2e4 SanctionLab\" \/>\n<meta property=\"og:description\" content=\"KDB\uc0dd\uba85\ubcf4\ud5d8\uc758 \uc790\ubcf8\uc801\uc815\uc131 \uc545\ud654\ub294 \uc2e0\ud68c\uacc4\uc81c\ub3c4(IFRS17)\ub97c \ub3c4\uc785\ud55c \ub4a4 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