하나은행, RWA '하한' 대응 분주…새 포트폴리오 찍힐 방점은

Basel III's new risk-weighted asset floor will require Korean banks like Hana Bank to fundamentally restructure their loan portfolios to comply with stricter capital requirements by 2028. The phased implementation (65% in 2026, 70% in 2027, 72.5% in 2028) forces a strategic shift toward corporate lending, which has lower capital intensity, signaling broader changes in banking product offerings. This regulatory pressure will reshape credit allocation in the Korean banking sector and impact lending availability across retail and corporate segments.