{"id":10141,"date":"2026-03-15T09:07:20","date_gmt":"2026-03-15T00:07:20","guid":{"rendered":"https:\/\/readtrends.com\/ko\/won-dollar-1500-banks-els\/"},"modified":"2026-03-15T09:07:20","modified_gmt":"2026-03-15T00:07:20","slug":"won-dollar-1500-banks-els","status":"publish","type":"post","link":"https:\/\/readtrends.com\/ko\/won-dollar-1500-banks-els\/","title":{"rendered":"[\uc774\ub780 \uc0ac\ud0dc] \ud658\uc728 1500\uc6d0 \uc721\ubc15 \uae08\uc735\uad8c \uc8fc\uc8fc\ud658\uc6d0 \uc81c\uc57d&#8230;\ud64d\ucf69 ELS\ub3c4 \ubd80\ub2f4 &#8211; \uae00\ub85c\ubc8c\uc774\ucf54\ub178\ubbf9"},"content":{"rendered":"<article>\n<h2>\ud575\uc2ec \uc694\uc57d<\/h2>\n<p>\uc774\ub780 \uace0\uc704 \uc9c0\ub3c4\uc790\uc758 \ub300\ubbf8\u00b7\ub300\uc774\uc2a4\ub77c\uc5d8 \uac15\uacbd \ubc1c\uc5b8\uc73c\ub85c \uad6d\uc81c\uc720\uac00\uac00 \uc624\ub974\uba70 \uc6d0\u00b7\ub2ec\ub7ec \ud658\uc728\uc774 \uae09\ub4f1\uc138\ub97c \ubcf4\uc774\uace0 \uc788\ub2e4. 3\uc6d4 13\uc77c \uc8fc\uac04\uc7a5 \uc885\uac00\ub294 1493.7\uc6d0, 14\uc77c \uc57c\uac04\uc7a5\uc740 1497.5\uc6d0\uc73c\ub85c \ub9c8\uac10\ud574 1500\uc6d0 \ub3cc\ud30c \uc6b0\ub824\uac00 \ucee4\uc84c\ub2e4. \ud658\uc728\uc774 \ucd94\uac00 \uc0c1\uc2b9\ud558\uba74 \uae08\uc735\uad8c\uc758 \ubcf4\ud1b5\uc8fc\uc790\ubcf8\ube44\uc728(CET1)\uc774 \ud558\ub77d\ud574 \uc5f0\ub9d0 \uae30\uc900 \uc8fc\uc8fc\ud658\uc6d0 \uc5ec\ub825\uc774 \ucd95\uc18c\ub420 \uc218 \uc788\ub2e4. \uc544\uc6b8\ub7ec \uc740\ud589\uad8c\uc758 \ud64d\ucf69 ELS \ubd88\uc644\uc804\ud310\ub9e4\uc5d0 \ub300\ud55c \uacfc\uc9d5\uae08 \ucd5c\uc885 \ud310\uc815(3\uc6d4 18\uc77c)\uc774 \ubcc0\uc218\ub85c \uc791\uc6a9\ud560 \uc804\ub9dd\uc774\ub2e4.<\/p>\n<h2>\ud575\uc2ec \uc0ac\uc2e4<\/h2>\n<ul>\n<li>3\uc6d4 13\uc77c \uc8fc\uac04\uc7a5 \uc885\uac00\ub294 \uc6d0\u00b7\ub2ec\ub7ec 1493.7\uc6d0\uc774\uc5c8\ub2e4.<\/li>\n<li>3\uc6d4 14\uc77c \uc11c\uc6b8 \uc678\ud658\uc2dc\uc7a5 \uc57c\uac04\uc7a5\uc5d0\uc11c\ub294 \uc6d0\u00b7\ub2ec\ub7ec 1497.5\uc6d0\uc73c\ub85c \ub9c8\uac10\ud588\uace0, \uc7a5\uc911 \ud55c\ub54c 1500\uc6d0\uc744 \uc18c\ud3ed \ub3cc\ud30c\ud588\ub2e4.<\/li>\n<li>\ud658\uc728\uc774 10\uc6d0 \uc624\ub97c \ub54c \uae08\uc735\uad8c\uc758 CET1\uc740 \ud1b5\uc0c1 0.01~0.03%\ud3ec\uc778\ud2b8 \ud558\ub77d\ud558\ub294 \uac83\uc73c\ub85c \ubd84\uc11d\ub41c\ub2e4.<\/li>\n<li>\uc9c0\ub09c\ud574 \ub9d0 4\ub300 \uae08\uc735\uc9c0\uc8fc\uc758 \ud3c9\uade0 CET1\uc740 13.475%\uc600\uace0, \uac1c\ubcc4 \uc9c0\uc8fc\ubcc4\ub85c\ub294 KB\uae08\uc735 13.79%, \uc2e0\ud55c\uae08\uc735 13.33%, \ud558\ub098\uae08\uc735 13.37%, \uc6b0\ub9ac\uae08\uc735 12.90%\ub85c \uc9d1\uacc4\ub410\ub2e4.<\/li>\n<li>\uc5f0\ub9d0 \uae30\uc900 \ud658\uc728(1439\uc6d0) \ub300\ube44 1500\uc6d0\ub300 \uc9c4\uc785 \uc2dc 60\uc6d0 \uc774\uc0c1 \uc0c1\uc2b9\uc774 \ubc1c\uc0dd, CET1\uc740 \uc57d 0.06~0.18%\ud3ec\uc778\ud2b8 \ud558\ub77d\ud560 \uc218 \uc788\ub2e4.<\/li>\n<li>\uae08\uac10\uc6d0\uc774 \uc0ac\uc804 \ud1b5\ubcf4\ud55c \ud64d\ucf69 ELS \uad00\ub828 \uacfc\uc9d5\uae08 \uaddc\ubaa8\ub294 \uc57d 1\uc8703000\uc5b5 \uc6d0\uc774\uba70, \uae08\uc735\uc704\uac00 3\uc6d4 18\uc77c \ucd5c\uc885 \uc81c\uc7ac \uc218\uc704\ub97c \uacb0\uc815\ud560 \uc608\uc815\uc774\ub2e4.<\/li>\n<li>\uc740\ud589\uad8c\uc740 \uc774\ubbf8 \uae08\uac10\uc6d0 \ud1b5\ubcf4\uc561\uc758 25~50% \uc218\uc900\uc744 \ucda9\ub2f9\uae08\uc73c\ub85c \ubc18\uc601\ud588\uace0, \ucd5c\uc885 \uacfc\uc9d5\uae08 \ud655\uc815 \uc2dc \ucd94\uac00 \ucda9\ub2f9\uae08 \uc801\ub9bd\uc774 \ubd88\uac00\ud53c\ud558\ub2e4.<\/li>\n<\/ul>\n<h2>\uc0ac\uac74 \ubc30\uacbd<\/h2>\n<p>\uc774\ub780 \ucd5c\uace0\uc9c0\ub3c4\uc790 \ubaa8\uc988\ud0c0\ubc14 \ud558\uba54\ub124\uc774\uc758 \ub300\uc678 \uac15\uacbd \ubc1c\uc5b8\uc740 \uc911\ub3d9 \uae34\uc7a5\uc744 \uace0\uc870\uc2dc\ud0a4\uba70 \uad6d\uc81c\uc720\uac00\ub97c \ub04c\uc5b4\uc62c\ub838\ub2e4. \uc5d0\ub108\uc9c0 \uac00\uaca9 \uc0c1\uc2b9\uc740 \uc790\ubcf8\uc2dc\uc7a5\uacfc \uc678\ud658\uc2dc\uc7a5\uc5d0 \uc989\uac01\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce58\uba70 \uc2e0\ud765\uad6d \ud1b5\ud654\uc640 \uc6d0\ud654 \ubaa8\ub450\uc5d0\uc11c \ubcc0\ub3d9\uc131\uc744 \ud655\ub300\ud55c\ub2e4. \ud55c\uad6d\uc740 \uc218\uc785 \uc6d0\uc720 \uc758\uc874\ub3c4\uac00 \ub192\uc544 \uc720\uac00\u00b7\ud658\uc728 \uc0c1\uc2b9\uc774 \uace7 \uc218\uc785 \ubb3c\uac00\uc640 \uae30\uc5c5 \uc218\uc775\uc131\uc5d0 \uc601\ud5a5\uc744 \uc900\ub2e4. \uc774\ub7ec\ud55c \uc678\ubd80 \ucda9\uaca9\uc740 \uc740\ud589\uc758 \uc678\ud654\uc790\uc0b0\u00b7\ubd80\ucc44 \ud3c9\uac00\uc5d0 \ubc18\uc601\ub418\uc5b4 \uc790\ubcf8\ube44\uc728 \uc0b0\uc815\uc5d0\ub3c4 \uc9c1\uc811\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce5c\ub2e4.<\/p>\n<p>\uae08\uc735\uad8c\uc740 \ud1b5\uc0c1 \uc5f0\ub9d0 \ud658\uc728\uc744 \uae30\uc900\uc73c\ub85c \uc678\ud654 \ud3ec\uc9c0\uc158\uc744 \uc7ac\ud3c9\uac00\ud558\uae30 \ub54c\ubb38\uc5d0 \uc5f0\ub9d0 \uc885\uac00(1439\uc6d0) \ub300\ube44 \uae09\uaca9\ud55c \ud658\uc728 \uc0c1\uc2b9\uc740 \uc790\ubcf8\uc9c0\ud45c\ub97c \ud558\ub77d\uc2dc\ud0a4\ub294 \uc694\uc778\uc774 \ub41c\ub2e4. \ub3d9\uc2dc\uc5d0 \ucd5c\uadfc \ubd88\uc644\uc804\ud310\ub9e4 \ub17c\ub780\uc774 \uc81c\uae30\ub41c \ud64d\ucf69 ELS \uad00\ub828 \uc81c\uc7ac\ub294 \uc774\ubbf8 \uae08\uac10\uc6d0\uc758 \uc0ac\uc804 \ud1b5\ubcf4\ub85c \uc0c1\ub2f9\ud55c \ucda9\ub2f9\uae08\uc744 \uc694\uad6c\ud588\uace0, \uae08\uc735\uc704\uc6d0\ud68c\uc758 \ucd5c\uc885 \ud310\ub2e8\uc5d0 \ub530\ub77c \ucd94\uac00 \ubd80\ub2f4\uc774 \ubc1c\uc0dd\ud560 \uc218 \uc788\ub2e4. \uc740\ud589\ub4e4\uc758 \uc8fc\uc8fc\ud658\uc6d0 \uc815\ucc45\uc740 \uc774 \uac19\uc740 \uc790\ubcf8\u00b7\ucda9\ub2f9\uae08 \ubcc0\ub3d9\uc5d0 \ubbfc\uac10\ud558\uac8c \ubc18\uc751\ud55c\ub2e4.<\/p>\n<h2>\uc8fc\uc694 \uc0ac\uac74<\/h2>\n<p>\uc2dc\uc7a5\uc5d0\uc11c\ub294 3\uc6d4 \uc911\uc21c \ub4e4\uc5b4 \uc6d0\u00b7\ub2ec\ub7ec \ud658\uc728\uc774 1500\uc6d0 \uc218\uc900\uc744 \uaca8\ub0e5\ud558\ub294 \uc6c0\uc9c1\uc784\uc774 \uac15\ud654\ub410\ub2e4. 13\uc77c\uacfc 14\uc77c\uc758 \uc7a5\uc911\u00b7\uc57c\uac04 \uac70\ub798\uc5d0\uc11c \ud658\uc728\uc774 \ube60\ub974\uac8c \uc0c1\uc2b9\ud588\uace0, \uc77c\ubd80 \uad6c\uac04\uc5d0\uc11c\ub294 1500\uc6d0 \uc120\uc744 \ub118\ub098\ub4e4\uc5c8\ub2e4. \uc678\ud658\uc2dc\uc7a5 \ucc38\uac00\uc790\ub4e4\uc740 \uc9c0\uc815\ud559\uc801 \ub9ac\uc2a4\ud06c\uc640 \uad6d\uc81c\uc720\uac00\uc758 \ubcc0\ub3d9\uc744 \uc6d0\uc778\uc73c\ub85c \uc9c0\ubaa9\ud558\uace0 \uc788\ub2e4.<\/p>\n<p>\uae08\uc735\ub2f9\uad6d \uc0ac\uc548\ub3c4 \uac19\uc740 \uc2dc\uae30 \uae09\ubd80\uc0c1\ud588\ub2e4. \uae08\uc735\uac10\ub3c5\uc6d0\uc774 \uc740\ud589\uad8c\uc5d0 \ub300\ud574 \uc0ac\uc804 \ud1b5\ubcf4\ud55c \ud64d\ucf69 ELS \uad00\ub828 \uacfc\uc9d5\uae08 \uaddc\ubaa8\ub294 \uc57d 1\uc8703000\uc5b5 \uc6d0\uc774\uba70, \uc99d\uad8c\uc120\ubb3c\uc704\uc6d0\ud68c(\uae08\uc735\uc704\uc6d0\ud68c \uc18c\uad00)\uac00 3\uc6d4 18\uc77c \ucd5c\uc885 \uc81c\uc7ac \uc218\uc704\ub97c \ud655\uc815\ud560 \uc608\uc815\uc774\ub2e4. \uc81c\uc7ac \ub300\uc0c1 \uc740\ud589\uc5d0\ub294 KB\uad6d\ubbfc\uc740\ud589, \uc2e0\ud55c\uc740\ud589, \ud558\ub098\uc740\ud589 \ub4f1\uc774 \ud3ec\ud568\ub41c \uac83\uc73c\ub85c \uc54c\ub824\uc84c\ub2e4.<\/p>\n<p>\uc740\ud589\ub4e4\uc740 \uc774\ubbf8 \uae08\uac10\uc6d0 \ud1b5\ubcf4\uc561\uc758 \uc77c\ubd80(25~50%)\ub97c \ucda9\ub2f9\uae08\uc73c\ub85c \ubc18\uc601\ud574\ub193\uc740 \uc0c1\ud0dc\ub2e4. \ucd5c\uc885 \uacfc\uc9d5\uae08\uc774 \ud604\uc7ac \uc218\uc900\uc73c\ub85c \ud655\uc815\ub418\uba74 \ucd94\uac00 \ucda9\ub2f9\uae08 \uc801\ub9bd\uc774 \ud544\uc694\ud558\uace0, \uc774\ub294 \ub2f9\uae30\uc21c\uc774\uc775 \uac10\uc18c\u2192\uc774\uc775\uc789\uc5ec\uae08 \ucd95\uc18c\u2192\ubcf4\ud1b5\uc8fc\uc790\ubcf8 \uac10\uc18c\ub85c \uc774\uc5b4\uc838 CET1\uc744 \ub354\uc6b1 \ub0ae\ucd94\ub294 \uc694\uc778\uc774 \ub41c\ub2e4. \uae08\uc735\uad8c \uad00\uacc4\uc790\ub4e4\uc740 CET1 \ud558\ub77d\uc774 \uc8fc\uc8fc\ud658\uc6d0 \uc815\ucc45\uc5d0 \ubd80\ub2f4\uc744 \uc904 \uc218 \uc788\uc74c\uc744 \uc778\uc815\ud558\uba74\uc11c\ub3c4, \uadf8\ub8f9 \ucc28\uc6d0\uc758 \ub300\uc751 \ubc29\uc548\uc744 \ub9c8\ub828 \uc911\uc774\ub77c\uace0 \ubc1d\ud614\ub2e4.<\/p>\n<h2>\ubd84\uc11d \ubc0f \uc758\ubbf8<\/h2>\n<p>\uccab\uc9f8, \ud658\uc728 \uc0c1\uc2b9\uc774 CET1\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc740 \uc989\uac01\uc801\uc774\ub418 \ud06c\uc9c0\ub294 \uc54a\ub354\ub77c\ub3c4 \ub204\uc801\ub420 \uacbd\uc6b0 \uc8fc\uc8fc\ud658\uc6d0(\ubc30\ub2f9\u00b7\uc790\uc0ac\uc8fc \ub9e4\uc785) \uc5ec\ub825\uc744 \ub208\uc5d0 \ub744\uac8c \uc881\ud790 \uc218 \uc788\ub2e4. 10\uc6d0\ub2f9 0.01~0.03%\ud3ec\uc778\ud2b8\uc758 \ud558\ub77d\uc774 \ubc18\ubcf5\ub418\uba74 \uc5f0\ub9d0 \uae30\uc900\uc73c\ub85c \uc218\uc2edbp(0.1%\ud3ec\uc778\ud2b8 \uc774\ud558) \ub2e8\uc704\uc758 \uc790\ubcf8\ubcc0\ub3d9\uc774 \ubc1c\uc0dd\ud560 \uc218 \uc788\ub2e4. \uae08\uc735\uc9c0\uc8fc\ub4e4\uc774 \ud1b5\uc0c1 CET1 13% \uc804\ud6c4\ub97c \uc8fc\uc8fc\ud658\uc6d0 \uae30\uc900\uc120\uc73c\ub85c \ub450\uace0 \uc788\ub2e4\ub294 \uc810\uc5d0\uc11c, \uc77c\ubd80 \uc9c0\uc8fc\uc758 \uacbd\uc6b0 \uc8fc\uc8fc\ud658\uc6d0 \uc815\ucc45 \uc7ac\uc870\uc815\uc774 \ubd88\uac00\ud53c\ud574\uc9c8 \uc218 \uc788\ub2e4.<\/p>\n<p>\ub458\uc9f8, \ud64d\ucf69 ELS \uacfc\uc9d5\uae08\uc740 \uc77c\ud68c\uc131 \ube44\uc6a9\uc774\uc9c0\ub9cc \uaddc\ubaa8\uac00 \ud06c\uae30 \ub54c\ubb38\uc5d0 \ucda9\ub2f9\uae08 \uc801\ub9bd \uacfc\uc815\uc5d0\uc11c \uc774\uc775\uc789\uc5ec\uae08\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc774 \ud06c\ub2e4. \uc774\ubbf8 \ubc18\uc601\ud55c \ucda9\ub2f9\uae08 \ube44\uc728(25~50%)\uc5d0 \ub530\ub77c \ucd5c\uc885 \ud655\uc815 \uc2dc \ucd94\uac00 \uc801\ub9bd \ud544\uc694\uc561\uc774 \ub2ec\ub77c\uc9c0\uace0, \uc774\ub85c \uc778\ud574 \uc790\ubcf8\ube44\uc728 \ubcc0\ub3d9\ud3ed\uc774 \ucee4\uc9c8 \uc218 \uc788\ub2e4. \uac10\ub3c5\ub2f9\uad6d\uc758 \ucd5c\uc885 \ud310\ub2e8\uc740 \uaddc\uc81c \uc2e0\ub8b0\uc131\uacfc \ud5a5\ud6c4 \ud310\ub9e4 \uad00\ud589 \uac1c\uc120\uc744 \ub3d9\uc2dc\uc5d0 \uc88c\uc6b0\ud55c\ub2e4.<\/p>\n<p>\uc14b\uc9f8, \uc678\ud658\u00b7\uae08\uc735 \ucda9\uaca9\uc758 \uacb0\ud569\uc740 \uc2dc\uc7a5 \uc2ec\ub9ac\uc5d0 \ubd80\uc815\uc801 \ud30c\uae09\uc744 \ub0b3\uc744 \uc218 \uc788\ub2e4. \ud658\uc728 \uc0c1\uc2b9\uc740 \uc218\ucd9c\uc785 \uae30\uc5c5\uc758 \uc190\uc775 \uad6c\uc870\ub97c \ubc14\uafb8\uace0, \uc740\ud589\uc758 \uc5f0\uc1c4\uc801 \uc2e0\uc6a9\ube44\uc6a9 \uc99d\uac00 \uc6b0\ub824\ub97c \uc790\uadf9\ud55c\ub2e4. \ub2e8\uae30\uc801\uc73c\ub85c\ub294 \uae08\uc735\uc2dc\uc7a5 \ubcc0\ub3d9\uc131\uc774 \ud655\ub300\ub420 \uac00\ub2a5\uc131\uc774 \ud06c\uace0, \uc911\uc7a5\uae30\uc801\uc73c\ub85c\ub294 \uac10\ub3c5\ub2f9\uad6d\uc758 \uc790\ubcf8\uad00\ub9ac\u00b7\uc720\ub3d9\uc131 \ub300\uc751\ub825\uc774 \uc2dc\ud5d8\ub300\uc5d0 \uc624\ub978\ub2e4.<\/p>\n<h2>\ube44\uad50 \ubc0f \ub370\uc774\ud130<\/h2>\n<figure>\n<table>\n<thead>\n<tr>\n<th>\uc9c0\ud45c<\/th>\n<th>\uc218\uce58<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>3\uc6d4 13\uc77c(\uc8fc\uac04) \uc6d0\u00b7\ub2ec\ub7ec<\/td>\n<td>1493.7\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>3\uc6d4 14\uc77c(\uc57c\uac04) \uc6d0\u00b7\ub2ec\ub7ec<\/td>\n<td>1497.5\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>2025\ub144 \uc5f0\ub9d0 \ud658\uc728<\/td>\n<td>1439\uc6d0<\/td>\n<\/tr>\n<tr>\n<td>4\ub300 \uae08\uc735 \ud3c9\uade0 CET1(\uc5f0\ub9d0)<\/td>\n<td>13.475%<\/td>\n<\/tr>\n<tr>\n<td>\uae08\uac10\uc6d0 \uc0ac\uc804 \ud1b5\ubcf4 \uacfc\uc9d5\uae08<\/td>\n<td>\uc57d 1\uc8703000\uc5b5 \uc6d0<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/figure>\n<p>\uc704 \ud45c\ub294 \ubcf8 \uae30\uc0ac\uc5d0\uc11c \uc5b8\uae09\ud55c \ud575\uc2ec \uc218\uce58\ub97c \ube44\uad50\ud574 \uc815\ub9ac\ud55c \uac83\uc774\ub2e4. \ud658\uc728\uacfc CET1 \uc218\uce58\uc758 \uad00\uacc4\ub97c \ub2e8\uc21c \ud658\uc0b0\ud558\uba74 \ud658\uc728 60\uc6d0 \uc0c1\uc2b9 \uc2dc CET1\uc740 \uc57d 0.06~0.18%\ud3ec\uc778\ud2b8 \ud558\ub77d\ud560 \uc218 \uc788\uc5b4, \uae08\uc735\uc9c0\uc8fc\ubcc4 \uae30\uc900\uc120 \ub3c4\ub2ec \uc5ec\ubd80\uac00 \ub2ec\ub77c\uc9c8 \uc218 \uc788\ub2e4.<\/p>\n<h2>\ubc18\uc751 \ubc0f \uc778\uc6a9<\/h2>\n<p>\uae08\uc735\uad8c \ub0b4\ubd80\uc5d0\uc11c\ub294 \ud658\uc728 \uc0c1\uc2b9\uacfc \uacfc\uc9d5\uae08 \ub9ac\uc2a4\ud06c\ub97c \ubaa8\ub450 \uace0\ub824\ud574 \uc790\ubcf8\uad00\ub9ac \uacc4\ud68d\uc744 \uc7ac\uac80\ud1a0 \uc911\uc774\ub2e4. \ud55c \uc740\ud589 \uad00\uacc4\uc790\ub294 \ub0b4\ubd80\uc801\uc73c\ub85c \ub2e4\uc591\ud55c \uc2dc\ub098\ub9ac\uc624\ub97c \uac80\ud1a0\ud558\uace0 \uc788\uc73c\uba70 \ud544\uc694 \uc2dc \ubc30\ub2f9\u00b7\uc790\uc0ac\uc8fc \uc815\ucc45\uc744 \uc870\uc815\ud560 \uc900\ube44\uac00 \ub418\uc5b4 \uc788\ub2e4\uace0 \ub9d0\ud588\ub2e4.<\/p>\n<blockquote>\n<p>&#8220;\ud658\uc728 \uc0c1\uc2b9\uc774 CET1\uc5d0 \ubd80\ub2f4\uc744 \uc8fc\ub294 \uac83\uc740 \uc0ac\uc2e4\uc774\ub098, \uadf8\ub8f9 \ucc28\uc6d0\uc758 \uc8fc\uc8fc\ud658\uc6d0 \uc815\ucc45\uc5d0 \uc989\uac01\uc801\uc778 \ucc28\uc9c8\uc774 \uc0dd\uae38 \uc218\uc900\uc740 \uc544\ub2c8\ub2e4. \ud544\uc694\ud55c \ub300\uc751 \ubc29\uc548\uc744 \ub9c8\ub828\ud558\uaca0\ub2e4.&#8221;<\/p>\n<p><cite>\uae08\uc735\uad8c \uad00\uacc4\uc790<\/cite><\/p><\/blockquote>\n<p>\uae08\uc735\ub2f9\uad6d \uce21\uc740 \uc81c\uc7ac \uc808\ucc28\uc758 \uacf5\uc815\uc131\uacfc \ud5a5\ud6c4 \ud310\ub9e4 \uad00\ud589 \uac1c\uc120\uc744 \uac15\uc870\ud558\uba70 \ucd5c\uc885 \ud310\ub2e8\uc758 \uadfc\uac70\uc640 \ud5a5\ud6c4 \uc870\uce58 \uacc4\ud68d\uc744 \uc124\uba85\ud560 \uc608\uc815\uc774\ub2e4. \uac10\ub3c5\ub2f9\uad6d\uc758 \uc758\uc0ac\uacb0\uc815\uc740 \ud5a5\ud6c4 \uae08\uc735\uc0ac\uc758 \uc190\uc2e4 \ud761\uc218 \ub2a5\ub825\uacfc \uaddc\uc81c \uc2e0\ub8b0\uc131\uc5d0 \uc9c1\uc811\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce5c\ub2e4.<\/p>\n<blockquote>\n<p>&#8220;\uc99d\uad8c\uc120\ubb3c\uc704\uc6d0\ud68c\ub294 \uad00\ub828 \uc0ac\uc2e4\uad00\uacc4\ub97c \uc885\ud569\uc801\uc73c\ub85c \uac80\ud1a0\ud55c \ub4a4 3\uc6d4 18\uc77c \ucd5c\uc885 \uacb0\uc815\uc744 \ub0b4\ub9b4 \uac83\uc774\ub2e4. \uc2dc\uc7a5\uc758 \uc2e0\ub8b0 \ud68c\ubcf5\uc774 \uc911\uc694\ud558\ub2e4.&#8221;<\/p>\n<p><cite>\uae08\uc735\uc704\uc6d0\ud68c(\uc608\uc815 \ubc1c\ud45c \ub9e5\ub77d)<\/cite><\/p><\/blockquote>\n<h2>\n<aside>\n<details>\n<summary>\uc6a9\uc5b4\/\ubc29\ubc95\ub860<\/summary>\n<p>\ubcf4\ud1b5\uc8fc\uc790\ubcf8\ube44\uc728(CET1)\uc740 \uc740\ud589\uc758 \ud575\uc2ec \uc790\uae30\uc790\ubcf8(\ubcf4\ud1b5\uc8fc) \ub300\ube44 \uc704\ud5d8\uac00\uc911\uc790\uc0b0 \ube44\uc728\ub85c \uc740\ud589 \uac74\uc804\uc131\uc758 \ud575\uc2ec \uc9c0\ud45c\ub2e4. \ub192\uc740 CET1\uc740 \uc190\uc2e4\ud761\uc218\ub2a5\ub825\uc774 \ud06c\ub2e4\ub294 \uc758\ubbf8\uc774\uba70, \uac10\ub3c5\ub2f9\uad6d\uc740 \uc77c\uc815 \uc218\uc900 \uc774\uc0c1\uc744 \uc720\uc9c0\ud558\ub3c4\ub85d \uc694\uad6c\ud55c\ub2e4. \ud64d\ucf69 ELS\ub294 \uc8fc\uac00\uc5f0\uacc4\uc99d\uad8c\uc73c\ub85c, \ubd88\uc644\uc804\ud310\ub9e4\uac00 \uc778\uc815\ub418\uba74 \ud310\ub9e4\uc0ac\uc5d0 \uacfc\uc9d5\uae08\uc774\ub098 \uc2dc\uc815\uc870\uce58\uac00 \ubd80\uacfc\ub420 \uc218 \uc788\ub2e4. \ucda9\ub2f9\uae08 \uc801\ub9bd\uc740 \uc608\uc0c1 \uc190\uc2e4\uc744 \ub300\ube44\ud55c \ud68c\uacc4\ucc98\ub9ac\ub85c, \ucda9\ub2f9\uae08\uc774 \uc99d\uac00\ud558\uba74 \ub2f9\uae30\uc21c\uc774\uc775\uc774 \uc904\uace0 \uc790\ubcf8\uc774 \uac10\uc18c\ud558\ub294 \ud6a8\uacfc\uac00 \uc788\ub2e4.<\/p>\n<\/details>\n<\/aside>\n<\/h2>\n<h2>\ubd88\ud655\uc2e4\ud55c \ubd80\ubd84<\/h2>\n<ul>\n<li>\uae08\uc735\uc704\uc6d0\ud68c\uc758 3\uc6d4 18\uc77c \ucd5c\uc885 \uacfc\uc9d5\uae08 \ud655\uc815 \uc561\uc218\ub294 \ud604\uc7ac \ubbf8\ud655\uc778 \uc0c1\ud0dc\uc774\uba70, \uacbd\uac10 \uc5ec\ubd80\uc5d0 \ub530\ub77c \uae08\uc735\uc0ac\uc758 \ucd94\uac00 \ubd80\ub2f4 \uaddc\ubaa8\uac00 \ud06c\uac8c \ub2ec\ub77c\uc9c8 \uc218 \uc788\ub2e4.<\/li>\n<li>\ud658\uc728\uc774 \ud5a5\ud6c4 \ub2e8\uae30\uc801\uc73c\ub85c 1500\uc6d0\uc744 \uc9c0\uc18d\uc801\uc73c\ub85c \uc0c1\ud68c\ud560\uc9c0 \uc5ec\ubd80\ub294 \uad6d\uc81c\uc720\uac00\u00b7\uc9c0\uc815\ud559\uc801 \ubcc0\uc218\uc5d0 \ub530\ub77c \ubd88\ud655\uc2e4\ud558\ub2e4.<\/li>\n<li>\uc740\ud589\ubcc4\ub85c \uc2e4\uc81c \ucd94\uac00 \ucda9\ub2f9\uae08 \uc801\ub9bd \ube44\uc728\uacfc \uadf8\uc5d0 \ub530\ub978 CET1 \uc601\ud5a5 \uaddc\ubaa8\ub294 \ub0b4\ubd80 \uc790\ubcf8\uad00\ub9ac\u00b7\uc218\uc775\uc131\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9c8 \uac00\ub2a5\uc131\uc774 \uc788\ub2e4.<\/li>\n<\/ul>\n<h2>\ucd1d\ud3c9<\/h2>\n<p>\uc774\ub780\ubc1c \uc9c0\uc815\ud559\uc801 \uae34\uc7a5\uacfc \ud64d\ucf69 ELS \uacfc\uc9d5\uae08 \ub9ac\uc2a4\ud06c\uac00 \ub3d9\uc2dc\uc5d0 \ubd80\uac01\ub418\uba74\uc11c \uae08\uc735\uad8c\uc758 \uc790\ubcf8\uad00\ub9ac\uc640 \uc8fc\uc8fc\ud658\uc6d0 \uc815\ucc45\uc774 \uc2dc\ud5d8\ub300\uc5d0 \uc62c\ub790\ub2e4. \ub2e8\uae30\uc801 \ud658\uc728 \uae09\ub4f1 \uc790\uccb4\ub294 CET1\uc5d0 \uc989\uac01\uc801\uc778 \ub300\uaddc\ubaa8 \ucda9\uaca9\uc744 \uc8fc\uc9c4 \uc54a\uc9c0\ub9cc, \ub204\uc801\uc801\u00b7\ub3d9\uc2dc\ub2e4\ubc1c\uc801 \uc694\uc778\uc774 \uacb0\ud569\ub420 \uacbd\uc6b0 \uc8fc\uc8fc\ud658\uc6d0 \uc5ec\ub825\uc774 \ub208\uc5d0 \ub744\uac8c \ucd95\uc18c\ub420 \uc218 \uc788\ub2e4.<\/p>\n<p>\uc740\ud589\ub4e4\uc740 \ub2e4\uac01\uc801 \uc2dc\ub098\ub9ac\uc624\uc5d0 \uadfc\uac70\ud55c \uc790\ubcf8\u00b7\uc720\ub3d9\uc131 \uad00\ub9ac\ub97c \uac15\ud654\ud574\uc57c \ud558\uba70, \uac10\ub3c5\ub2f9\uad6d\uc758 \ucd5c\uc885 \uc81c\uc7ac \ud310\ub2e8\uacfc \uad6d\uc81c\uc720\uac00 \ud750\ub984\uc774 \ud5a5\ud6c4 \ubc29\ud5a5\uc744 \uc88c\uc6b0\ud560 \uac83\uc774\ub2e4. \ud22c\uc790\uc790\uc640 \uc2dc\uc7a5\ucc38\uac00\uc790\ub4e4\uc740 \uac10\ub3c5\ub2f9\uad6d \ubc1c\ud45c(3\uc6d4 18\uc77c)\uc640 \ud658\uc728 \ubcc0\ub3d9\uc744 \uc8fc\uc758 \uae4a\uac8c \uad00\ucc30\ud560 \ud544\uc694\uac00 \uc788\ub2e4.<\/p>\n<h2>\ucd9c\ucc98<\/h2>\n<ul>\n<li><a href=\"https:\/\/www.g-enews.com\/article\/Finance\/2026\/03\/202603131615487212bb91c46fcd_1\" target=\"_blank\" rel=\"noopener\">\uae00\ub85c\ubc8c\uc774\ucf54\ub178\ubbf9(\uc5b8\ub860)<\/a><\/li>\n<li><a href=\"https:\/\/www.fsc.go.kr\" target=\"_blank\" rel=\"noopener\">\uae08\uc735\uc704\uc6d0\ud68c(\uacf5\uc2dd)<\/a><\/li>\n<li><a href=\"https:\/\/www.fss.or.kr\" target=\"_blank\" rel=\"noopener\">\uae08\uc735\uac10\ub3c5\uc6d0(\uacf5\uc2dd)<\/a><\/li>\n<\/ul>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>\ud575\uc2ec \uc694\uc57d \uc774\ub780 \uace0\uc704 \uc9c0\ub3c4\uc790\uc758 \ub300\ubbf8\u00b7\ub300\uc774\uc2a4\ub77c\uc5d8 \uac15\uacbd \ubc1c\uc5b8\uc73c\ub85c \uad6d\uc81c\uc720\uac00\uac00 \uc624\ub974\uba70 \uc6d0\u00b7\ub2ec\ub7ec \ud658\uc728\uc774 \uae09\ub4f1\uc138\ub97c \ubcf4\uc774\uace0 \uc788\ub2e4. 3\uc6d4 13\uc77c \uc8fc\uac04\uc7a5 \uc885\uac00\ub294 1493.7\uc6d0, 14\uc77c \uc57c\uac04\uc7a5\uc740 1497.5\uc6d0\uc73c\ub85c \ub9c8\uac10\ud574 1500\uc6d0 \ub3cc\ud30c \uc6b0\ub824\uac00 \ucee4\uc84c\ub2e4. \ud658\uc728\uc774 \ucd94\uac00 \uc0c1\uc2b9\ud558\uba74 \uae08\uc735\uad8c\uc758 \ubcf4\ud1b5\uc8fc\uc790\ubcf8\ube44\uc728(CET1)\uc774 \ud558\ub77d\ud574 \uc5f0\ub9d0 \uae30\uc900 \uc8fc\uc8fc\ud658\uc6d0 \uc5ec\ub825\uc774 \ucd95\uc18c\ub420 \uc218 \uc788\ub2e4. \uc544\uc6b8\ub7ec \uc740\ud589\uad8c\uc758 \ud64d\ucf69 ELS \ubd88\uc644\uc804\ud310\ub9e4\uc5d0 \ub300\ud55c \uacfc\uc9d5\uae08 \ucd5c\uc885 \ud310\uc815(3\uc6d4 18\uc77c)\uc774 \ubcc0\uc218\ub85c \uc791\uc6a9\ud560 \uc804\ub9dd\uc774\ub2e4. \ud575\uc2ec &#8230; <a title=\"[\uc774\ub780 \uc0ac\ud0dc] \ud658\uc728 1500\uc6d0 \uc721\ubc15 \uae08\uc735\uad8c \uc8fc\uc8fc\ud658\uc6d0 \uc81c\uc57d&#8230;\ud64d\ucf69 ELS\ub3c4 \ubd80\ub2f4 &#8211; \uae00\ub85c\ubc8c\uc774\ucf54\ub178\ubbf9\" class=\"read-more\" href=\"https:\/\/readtrends.com\/ko\/won-dollar-1500-banks-els\/\" aria-label=\"[\uc774\ub780 \uc0ac\ud0dc] \ud658\uc728 1500\uc6d0 \uc721\ubc15 \uae08\uc735\uad8c \uc8fc\uc8fc\ud658\uc6d0 \uc81c\uc57d&#8230;\ud64d\ucf69 ELS\ub3c4 \ubd80\ub2f4 &#8211; \uae00\ub85c\ubc8c\uc774\ucf54\ub178\ubbf9\uc5d0 \ub300\ud574 \ub354 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uc138\uc694\">\ub354 \uc77d\uae30<\/a><\/p>\n","protected":false},"author":1,"featured_media":10137,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_title":"\uc774\ub780 \ub9ac\uc2a4\ud06c\ub85c \uc6d0\u00b7\ub2ec\ub7ec 1500\uc6d0 \uc704\ud611\u2026\uae08\uc735\uad8c \uc8fc\uc8fc\ud658\uc6d0 \uc601\ud5a5 - \uae00\ub85c\ubc8c\uc774\ucf54\ub178\ubbf9","rank_math_description":"\uc774\ub780 \uc9c0\uc815\ud559 \ub9ac\uc2a4\ud06c\ub85c 3\uc6d4 \uc911 \uc6d0\u00b7\ub2ec\ub7ec\uac00 1493.7\uc6d0(13\uc77c)\u21921497.5\uc6d0(14\uc77c)\ub85c \uc0c1\uc2b9, 1500\uc6d0 \ub3cc\ud30c \uc6b0\ub824\uac00 \ucee4\uc9c0\uba70 CET1\uacfc \uc8fc\uc8fc\ud658\uc6d0\u00b7\ud64d\ucf69 ELS \uacfc\uc9d5\uae08 \ub9ac\uc2a4\ud06c\uac00 \uacb9\uccd0 \ubd80\ub2f4\uc774 \uac00\uc911\ub418\uace0 \uc788\ub2e4.","rank_math_focus_keyword":"\uc6d0\u00b7\ub2ec\ub7ec,\ud658\uc728,\ubcf4\ud1b5\uc8fc\uc790\ubcf8\ube44\uc728,CET1,\ud64d\ucf69 ELS,\uc8fc\uc8fc\ud658\uc6d0","footnotes":""},"categories":[2],"tags":[],"class_list":["post-10141","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-top-stories"],"_links":{"self":[{"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/posts\/10141","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/comments?post=10141"}],"version-history":[{"count":0,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/posts\/10141\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/media\/10137"}],"wp:attachment":[{"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/media?parent=10141"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/categories?post=10141"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/readtrends.com\/ko\/wp-json\/wp\/v2\/tags?post=10141"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}