피치, 국내 은행 재무건전성 등급 하향

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 또 재무건전성 정도에 영향을 상대적으로 많이 받는 하이브리드채권과 우선주 등급도 하향조정했다.

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 그러나 은행들의 개별 등급(Individual ratings)은 하향 조정했다. 개별 등급이란 외부의 잠재적 지원 가능성을 배제한 은행 자체의 재무건전성을 나타내는 지표다.


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.

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'.