이 기사는 03월13일(18:28) 머니투데이가 만든 프로페셔널 정보 서비스 'thebell'에 출고된 기사입니다. |
국제신용평가회사 피치가 13일 국내 은행들의 재무건전성 등급을 하향조정했다. 그러나 정부의 지원 가능성을 감안해 장·단기 신용등급은 유지했다.
피치는 13일 "국내은행들의 장기 외화표시 발행자등급(IDR:Currency Issuer Default Ratings)을 유지한다"고 밝혔다. 등급 전망은 '부정적'을 유지했다. 현재의 경제상황이 좋지 않은데다 국가 신용등급 전망이 '부정적'이기 때문이다.
피치는 금융시장 상황이 더 어려워지면서 은행들의 수익이 악화될 것이라며 유동성 측면에서 정부에 대한 의존도가 더 높아질 것이란 분석했다.
하이브리드채권은 개별 은행들의 상환 능력을 기반으로 하기 때문에 은행 자체 등급에 영향을 가장 많이 받는다고 피치는 설명했다.
이 시각 인기 뉴스
국민은행과 신한은행의 개별 등급은 종전 B에서 B/C로 한단계 떨어졌다. 하나은행, 우리은행, 외환은행, 한국씨티은행, 부산은행, 대구은행, 우리금융지주는 B/C에서 C로 내렸다. 광주은행은 C에서 C/D로 하락했고, 제주은행은 C/D로 유지됐다.
신한은행의 하이브리드채 등급은 A-에서 BBB+로 한단계, 우리은행의 하이브리드채 등급은 BBB+에서 BBB-로 두단계 떨어졌다. 하나은행의 하이브리드채권과 우선주 등급도 BBB+에서 BBB-로 두단계 하락했다.
국내 은행들에 대한 피치의 등급 조정 상세 내역은 아래와 같다.
Kookmin Bank:
Foreign Currency Long-term IDR: affirmed at 'A+' with Negative Outlook
Individual rating: downgraded to 'B/C' from 'B'
Support rating: affirmed at '1'
Support Rating Floor: affirmed at 'A'
Foreign Currency Short-term IDR: affirmed at 'F1'
Shinhan Bank:
Foreign Currency Long-term IDR: affirmed at 'A' with Negative Outlook
Individual rating: downgraded to 'B/C' from 'B'
Support rating: affirmed at '1'
Support Rating Floor: affirmed at 'A-' (A minus)
Subordinated Debt: affirmed at 'A-' (A minus)
Hybrid Capital Instrument: downgraded to 'BBB+' from 'A-' (A minus)
Foreign Currency Short-term IDR: affirmed at 'F1'
Woori Bank:
Foreign Currency Long-term IDR: affirmed at 'A-' (A minus) with Negative Outlook
Individual rating: downgraded to 'C' from 'B/C'
Support rating: affirmed at '1'
Support Rating Floor: affirmed at 'A-' (A minus)
Subordinated Debt: affirmed at 'BBB+'
Hybrid Capital Instrument: downgraded to 'BBB-' (BBB minus) from 'BBB+'
Foreign Currency Short-term IDR: affirmed at 'F2'
Hana Bank:
Foreign Currency Long-term IDR: affirmed at 'A-' (A minus) with Negative Outlook
Individual rating: downgraded to 'C' from 'B/C'
Support rating: affirmed at '1'
Support Rating Floor: affirmed at 'A-' (A minus)
Subordinated Debt: affirmed at 'BBB+'
Hybrid Capital Instrument/Preferred Stock: downgraded to 'BBB-' (BBB minus) from 'BBB+'
Foreign Currency Short-term IDR: affirmed at 'F2'
Korea Exchange Bank:
Foreign Currency Long-term IDR: affirmed at 'A-' (A minus) with Negative Outlook
Individual rating: downgraded to 'C' from 'B/C'
Support rating: affirmed at '2'
Support Rating Floor: affirmed at 'BBB+'
Subordinated Debt: affirmed at 'BBB+'
Foreign Currency Short-term IDR: affirmed at 'F2'
Standard Chartered First Bank:
Foreign Currency Long-term IDR: affirmed at 'A' with Stable Outlook
Individual rating: affirmed at 'C'
Support Rating: affirmed at '1'
Subordinated Debt: affirmed at 'A-' (A minus)
Hybrid Capital Instrument: downgraded to 'BBB+' from 'A-' (A minus)
Foreign Currency Short-term IDR: affirmed at 'F1'
Citibank Korea Inc.:
Foreign Currency Long-term IDR: affirmed at 'A+' with Stable Outlook
Individual rating: downgraded to 'C' from 'B/C'
Support rating: affirmed at '1'
Subordinated Debt: affirmed at 'A'
Foreign Currency Short-term IDR: affirmed at 'F1+'
Pusan Bank:
Foreign Currency Long-term IDR: affirmed at 'BBB+' with Negative Outlook
Individual rating: downgraded to 'C' from 'B/C'
Support rating: affirmed at '2'
Support Rating Floor: affirmed at 'BBB'
Subordinated Debt: affirmed at 'BBB'
Foreign Currency Short-term IDR: affirmed at 'F2'
Daegu Bank:
Individual rating: downgraded to 'C' from 'B/C'
Support rating: affirmed at '2'
Kyongnam Bank:
Foreign Currency Long-term IDR: affirmed at 'BBB+' with Negative Outlook
Individual rating: downgraded to 'C/D' from 'C'
Support rating: affirmed at '2'
Support Rating Floor: affirmed at 'BBB'
Foreign Currency Short-term IDR: affirmed at 'F2'
Kwangju Bank:
Foreign Currency Long-term IDR: 'BBB+' with Negative Outlook
Individual rating: downgraded to 'C/D' from 'C'
Support Rating: affirmed at '2'
Support Rating Floor: affirmed at 'BBB'
Foreign Currency Short-term IDR: affirmed at 'F2'
Jeju Bank:
Foreign Currency Long-term IDR: affirmed at 'BBB+' with Negative Outlook
Individual rating: affirmed at 'C/D'
Support Rating: affirmed at '2'
Foreign Currency Short-term IDR: affirmed at 'F2'
Korea Development Bank:
Foreign Currency Long-term IDR: affirmed at 'A+' with Negative Outlook
Support rating: affirmed at '1'
Support Rating Floor: affirmed at 'A+'
Foreign Currency Short-term IDR: affirmed at 'F1'
Export-Import Bank of Korea:
Foreign Currency Long-term IDR: affirmed at 'A+' with Negative Outlook
Local Currency Long-term IDR: affirmed at 'AA' with Negative Outlook
Support rating: affirmed at '1'
Support Rating Floor: affirmed at 'A+'
Foreign Currency Short-term IDR: affirmed at 'F1'
Industrial Bank of Korea:
Foreign Currency Long-term IDR: affirmed at 'A+' with Negative Outlook
Support rating: affirmed at '1'
Support Rating Floor: affirmed at 'A+'
Subordinate Debt: affirmed at 'A+'
Foreign Currency Short-term IDR: affirmed at 'F1'
National Agricultural Cooperative Federation:
Foreign Currency Long-term IDR: affirmed at 'A+' with Negative Outlook
Support rating: affirmed at '1'
Foreign Currency Short-term IDR: affirmed at 'F1'
Woori Financial Group:
Foreign Currency Long-term IDR: affirmed at 'BBB+' with Negative Outlook
Individual rating: downgraded to 'C' from 'B/C'
Support rating: affirmed at '5'
Foreign Currency Short-term IDR: affirmed at 'F2'.