{"id":15245,"date":"2023-05-12T10:32:43","date_gmt":"2023-05-12T01:32:43","guid":{"rendered":"https:\/\/the-next-investment.com\/?p=15245"},"modified":"2026-05-24T21:21:33","modified_gmt":"2026-05-24T12:21:33","slug":"kakaobank-kbank-1q2023","status":"publish","type":"post","link":"https:\/\/the-next-investment.com\/en\/2023\/05\/12\/kakaobank-kbank-1q2023\/","title":{"rendered":"2023\ub144 1\ubd84\uae30 \uce74\uce74\uc624\ubc45\ud06c \ucf00\uc774\ubc45\ud06c \uc2e4\uc801 \ube44\uad50 \ubd84\uc11d"},"content":{"rendered":"<h2 class=\"wp-block-heading\">\ud76c\ube44 \uc5c7\uac08\ub9b0 \uc778\ud130\ub137 \uc804\ubb38\uc740\ud589<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">2023\ub144 1\ubd84\uae30 \ud55c\uad6d\uc758 \uc778\ud130\ub137 \uc804\ubb38\uc740\ud589\uc758 \uc2e4\uc801\uc740 \ud76c\ube44\uac00 \uc5c7\uac08\ub838\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>K Bank<\/strong>\uc758 \uc601\uc5c5\uc774\uc775\uc740 50% \uc774\uc0c1 \uac10\uc18c\ud55c \ubc18\uba74, <strong>Kakao Bank<\/strong>\uc758 \uc601\uc5c5\uc774\uc775\uc740 50% \uc774\uc0c1 \uc99d\uac00\ud558\uba74\uc11c \uc120\ubc29\ud558\ub294 \ubaa8\uc2b5\uc744 \ubcf4\uc5ec\uc92c\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2023\ub144 1\ubd84\uae30 \uae30\uc900 \uce74\uce74\uc624\ubc45\ud06c\uc758 \uace0\uac1d \uc218\ub294 2118\ub9cc\uba85, \ucf00\uc774\ubc45\ud06c\uc758 \uace0\uac1d \uc218\ub294 871\ub9cc\uba85\uc73c\ub85c \uce74\uce74\uc624\ubc45\ud06c\uac00 \ud06c\uac8c \uc55e\uc11c\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub2e4\ub9cc \ubbf8\uad6d\uc758 <strong><a href=\"https:\/\/the-next-investment.com\/en\/2023\/03\/14\/svb-effect\/\" target=\"_blank\" rel=\"noreferrer noopener\">\uc2e4\ub9ac\ucf58\ubc38\ub9ac\uc740\ud589(SVB)<\/a><\/strong>\uc774 36\uc2dc\uac04 \ub9cc\uc5d0 \ucd08\uace0\uc18d\uc73c\ub85c \ud30c\uc0b0\ud55c \ubc30\uacbd\uc73c\ub85c \uc2a4\ub9c8\ud2b8\ud3f0\uc744 \ud1b5\ud55c \uc608\uae08 \uc778\ucd9c\uc774 \uc9c0\ubaa9\ub418\uba74\uc11c \ubaa8\ubc14\uc77c \ubc45\ud0b9 \ud3b8\uc758\uc131\uc774 \ub192\uc740 \ud55c\uad6d\uc758 \uc778\ud130\ub137 \uc804\ubb38\uc740\ud589\uc5d0 \ub300\ud55c \uc6b0\ub824\uc758 \ubaa9\uc18c\ub9ac\ub3c4 \ub098\uc624\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"664\" data-attachment-id=\"15248\" data-permalink=\"https:\/\/the-next-investment.com\/en\/2023\/05\/12\/kakaobank-kbank-1q2023\/%ec%b9%b4%ec%b9%b4%ec%98%a4%eb%b1%85%ed%81%ac\/#main\" data-orig-file=\"https:\/\/i0.wp.com\/the-next-investment.com\/wp-content\/uploads\/2023\/05\/%EC%B9%B4%EC%B9%B4%EC%98%A4%EB%B1%85%ED%81%AC.jpg?fit=1024%2C664&amp;ssl=1\" data-orig-size=\"1024,664\" data-comments-opened=\"0\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"\uce74\uce74\uc624\ubc45\ud06c\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/the-next-investment.com\/wp-content\/uploads\/2023\/05\/%EC%B9%B4%EC%B9%B4%EC%98%A4%EB%B1%85%ED%81%AC.jpg?fit=1024%2C664&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/the-next-investment.com\/wp-content\/uploads\/2023\/05\/%EC%B9%B4%EC%B9%B4%EC%98%A4%EB%B1%85%ED%81%AC.jpg?resize=1024%2C664&#038;ssl=1\" alt=\"\uce74\uce74\uc624\ubc45\ud06c \ub85c\uace0\" class=\"wp-image-15248\" style=\"width:800px\" title=\"\" srcset=\"https:\/\/i0.wp.com\/the-next-investment.com\/wp-content\/uploads\/2023\/05\/%EC%B9%B4%EC%B9%B4%EC%98%A4%EB%B1%85%ED%81%AC.jpg?w=1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/the-next-investment.com\/wp-content\/uploads\/2023\/05\/%EC%B9%B4%EC%B9%B4%EC%98%A4%EB%B1%85%ED%81%AC.jpg?resize=300%2C195&amp;ssl=1 300w, https:\/\/i0.wp.com\/the-next-investment.com\/wp-content\/uploads\/2023\/05\/%EC%B9%B4%EC%B9%B4%EC%98%A4%EB%B1%85%ED%81%AC.jpg?resize=768%2C498&amp;ssl=1 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">\uce74\uce74\uc624\ubc45\ud06c CI<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">\ucf00\uc774\ubc45\ud06c \uc601\uc5c5\uc774\uc775 55% \uac10\uc18c<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\uc6b0\uc120 \ucf00\uc774\ubc45\ud06c\ub294 2023\ub144 1\ubd84\uae30 104\uc5b5\uc6d0\uc758 \ub2f9\uae30\uc21c\uc774\uc775\uc744 \ub0c8\ub2e4\uace0 \ubc1c\ud45c\ud558\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\ub294 2022\ub144 \uac19\uc740 \uae30\uac04(245\uc5b5\uc6d0) \ub300\ube44 57.5% \uac10\uc18c\ud55c \uc218\uce58\uc778\ub370\uc694.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uac19\uc740 \uae30\uac04 \ucf00\uc774\ubc45\ud06c\uc758 \uc601\uc5c5\uc774\uc775\ub3c4 55.6% \uac10\uc18c\ud574 120\uc5b5\uc6d0\uc744 \uae30\ub85d\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ucf00\uc774\ubc45\ud06c\ub294 \ub9ac\uc2a4\ud06c \uad00\ub9ac\uc640 \ucda9\ub2f9\uae08 \uc801\ub9bd\uc73c\ub85c \ub2f9\uae30\uc21c\uc774\uc775\uc774 \uc791\ub144\ubcf4\ub2e4 \uc904\uc5c8\ub2e4\uace0 \uc124\uba85\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2023\ub144 1\ubd84\uae30 \ucf00\uc774\ubc45\ud06c\uac00 \uc313\uc740 \ucda9\ub2f9\uae08\uc740 602\uc5b5\uc6d0\uc73c\ub85c, \uc791\ub144 \uac19\uc740 \uae30\uac04(196\uc5b5\uc6d0)\ubcf4\ub2e4 3\ubc30\uac00\ub7c9 \ub9ce\uc740 \uae08\uc561\uc744 \uc801\ub9bd\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uac74\uc804\uc131 \uc9c0\ud45c\uc778 \uc5f0\uccb4\uc728\uacfc \uc790\uae30 \uc790\ubcf8(BIS) \ube44\uc728\uc740 \uac01\uac01 0.82%, 13.55%\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc774\uc790\uc774\uc775\uc740 24.9% \uc131\uc7a5\ud55c 1029\uc5b5\uc6d0\uc774\uc5c8\uace0, \ube44\uc774\uc790\uc774\uc775\uc740 4\ubc30\uac00\ub7c9 \uc99d\uac00\ud55c 81\uc5b5\uc6d0\uc774\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ucf00\uc774\ubc45\ud06c\uc758 \uace0\uac1d \uc218\ub294 2023\ub144 1\ubd84\uae30 \ub9d0 \uae30\uc900 871\ub9cc\uba85\uc73c\ub85c, \uc9c0\ub09c\ud574 1\ubd84\uae30 \ub9d0 750\ub9cc\uba85\ubcf4\ub2e4 121\ub9cc\uba85 \ub298\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud574\ub2f9 \uae30\uac04 \uc218\uc2e0\uc740 16\uc8706400\uc5b5\uc6d0, \uc5ec\uc2e0\uc740 11\uc8709400\uc5b5\uc6d0\uc73c\ub85c \uac01\uac01 44.2%, 52.9% \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ud3c9\uade0 \uc720\ub3d9\uc131\ucee4\ubc84\ub9ac\uc9c0\ube44\uc728(LCR)\uc740 276%\ub85c, \uc2dc\uc911\uc740\ud589 \ud3c9\uade0(100%)\uc744 \ud06c\uac8c \uc6c3\ub3cc\uc558\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\uce74\uce74\uc624\ubc45\ud06c \uc601\uc5c5\uc774\uc775 54% \uc99d\uac00<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\ub2e4\uc74c\uc73c\ub85c \uce74\uce74\uc624\ubc45\ud06c\ub294 2023\ub144 1\ubd84\uae30 \uc601\uc5c5\uc774\uc775\uc774 1364\uc5b5\uc6d0\uc73c\ub85c \uc791\ub144 \uac19\uc740 \uae30\uac04 \ub300\ube44 54.3% \uc99d\uac00\ud574 \ubd84\uae30 \ucd5c\ub300 \uc2e4\uc801\uc744 \ub2ec\uc131\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uce74\uce74\uc624\ubc45\ud06c\uc758 1\ubd84\uae30 \ub2f9\uae30\uc21c\uc774\uc775\uc740 119\uc5b5\uc6d0\uc73c\ub85c, \uc791\ub144 1\ubd84\uae30 \ub300\ube44 52.5% \ub298\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uce74\uce74\uc624\ubc45\ud06c\ub294 \ub0ae\uc740 \uae08\ub9ac\uc640 \ud3b8\uc758\uc131\uc744 \ubc14\ud0d5\uc73c\ub85c \ub300\ucd9c\uc744 \uacf5\uae09\ud574 \uc218\uc775\uc131\uc744 \uac15\ud654\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uce74\uce74\uc624\ubc45\ud06c\uc758 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c\uc740 \ucd9c\uc2dc 1\ub144 \ub9cc\uc5d0 \uc794\uc561 2\uc8704000\uc5b5\uc6d0\uc73c\ub85c \uc9d1\uacc4\ub410\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uc2e0\uaddc \ucde8\uae09\uc561\uc740 2023\ub144 1\ubd84\uae30 1\uc8704370\uc5b5\uc6d0\uc73c\ub85c, \uc9c1\uc804 \ubd84\uae30(7940\uc5b5\uc6d0)\uc5d0 \ube44\ud574 81% \uae09\uc99d\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uc218\uc2e0 \uc794\uc561\uc740 40\uc8702000\uc5b5\uc6d0, \uc5ec\uc2e0 \uc794\uc561\uc740 29\uc8703000\uc5b5\uc6d0\uc744 \uac01\uac01 \uae30\ub85d\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\ub300\ud658 \ubaa9\uc801 \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \uc794\uc561\uc740 8660\uc5b5\uc6d0, \uc911\uc800\uc2e0\uc6a9\uc790 \ub300\uc0c1 \ubb34\ubcf4\uc99d \uc2e0\uc6a9\ub300\ucd9c \uc794\uc561\uc740 \uc57d 3\uc8705000\uc5b5\uc6d0\uc73c\ub85c \uc9d1\uacc4\ub410\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uce74\uce74\uc624\ubc45\ud06c \uc8fc\ud0dd\ub2f4\ubcf4\ub300\ucd9c \ubd84\ud560\uc0c1\ud658\ubc29\uc2dd, \uc2e0\uc6a9\ub300\ucd9c\uc758 \ud3c9\uade0 \uae08\ub9ac\ub294 \uac01\uac01 4.04%, 5.11%\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\uce74\uce74\uc624\ubc45\ud06c\uc758 1\ubd84\uae30 \ub9d0 \uae30\uc900 \uace0\uac1d \uc218\ub294 2118\ub9cc\uba85\uc73c\ub85c, \uc9c0\ub09c\ud574 3\uc6d4 \ub300\ube44 \uc57d 257\ub9cc\uba85 \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3\uc6d4 \ub9d0 \uae30\uc900 \uc5f0\uccb4\uc728\uc740 0.58%, \uba85\ubaa9 \uc21c\uc774\uc790\ub9c8\uc9c4(NIM)\uc740 2.62%\ub85c \ub098\ud0c0\ub0ac\uc2b5\ub2c8\ub2e4.<\/p>","protected":false},"excerpt":{"rendered":"<p>\ud76c\ube44 \uc5c7\uac08\ub9b0 \uc778\ud130\ub137 \uc804\ubb38\uc740\ud589 2023\ub144 1\ubd84\uae30 \ud55c\uad6d\uc758 \uc778\ud130\ub137 \uc804\ubb38\uc740\ud589\uc758 \uc2e4\uc801\uc740 \ud76c\ube44\uac00 \uc5c7\uac08\ub838\uc2b5\ub2c8\ub2e4. \ucf00\uc774\ubc45\ud06c\uc758 \uc601\uc5c5\uc774\uc775\uc740 50% \uc774\uc0c1 \uac10\uc18c\ud55c \ubc18\uba74, \uce74\uce74\uc624\ubc45\ud06c\uc758 \uc601\uc5c5\uc774\uc775\uc740 50% \uc774\uc0c1 \uc99d\uac00\ud558\uba74\uc11c \uc120\ubc29\ud558\ub294 \ubaa8\uc2b5\uc744 \ubcf4\uc5ec\uc92c\uc2b5\ub2c8\ub2e4. 2023\ub144 1\ubd84\uae30 \uae30\uc900 \uce74\uce74\uc624\ubc45\ud06c\uc758 \uace0\uac1d \uc218\ub294 2118\ub9cc\uba85, \ucf00\uc774\ubc45\ud06c\uc758 \uace0\uac1d \uc218\ub294 871\ub9cc\uba85\uc73c\ub85c \uce74\uce74\uc624\ubc45\ud06c\uac00 \ud06c\uac8c \uc55e\uc11c\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\ub9cc \ubbf8\uad6d\uc758 \uc2e4\ub9ac\ucf58\ubc38\ub9ac\uc740\ud589(SVB)\uc774 36\uc2dc\uac04 \ub9cc\uc5d0 \ucd08\uace0\uc18d\uc73c\ub85c \ud30c\uc0b0\ud55c \ubc30\uacbd\uc73c\ub85c \uc2a4\ub9c8\ud2b8\ud3f0\uc744 \ud1b5\ud55c \uc608\uae08 \uc778\ucd9c\uc774 \uc9c0\ubaa9\ub418\uba74\uc11c \ubaa8\ubc14\uc77c &#8230; <a title=\"2023\ub144 1\ubd84\uae30 \uce74\uce74\uc624\ubc45\ud06c \ucf00\uc774\ubc45\ud06c \uc2e4\uc801 \ube44\uad50 \ubd84\uc11d\" class=\"read-more\" href=\"https:\/\/the-next-investment.com\/en\/2023\/05\/12\/kakaobank-kbank-1q2023\/\" aria-label=\"Read more about 2023\ub144 1\ubd84\uae30 \uce74\uce74\uc624\ubc45\ud06c \ucf00\uc774\ubc45\ud06c \uc2e4\uc801 \ube44\uad50 \ubd84\uc11d\">Read more<\/a><\/p>","protected":false},"author":215334628,"featured_media":15248,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"cybocfi_hide_featured_image":"yes","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[743311958],"tags":[384660257,743312085],"class_list":["post-15245","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment","tag-384660257","tag-743312085"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/the-next-investment.com\/wp-content\/uploads\/2023\/05\/%EC%B9%B4%EC%B9%B4%EC%98%A4%EB%B1%85%ED%81%AC.jpg?fit=1024%2C664&ssl=1","jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":28325,"url":"https:\/\/the-next-investment.com\/en\/2026\/03\/06\/kbank-stock\/","url_meta":{"origin":15245,"position":0},"title":"\ucf00\uc774\ubc45\ud06c 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