농협은행, RWA관리 전면 손질…규제 수렴한 '미래 성장' 좌표는

Stricter Basel III regulations are fundamentally reshaping bank business models, making capital efficiency the primary profitability driver rather than asset growth. As RWA floor rules eliminate the effectiveness of internal risk-based approaches, banks must pivot toward capital-efficient lending strategies, shifting from traditional low-risk assets to specialized sectors like agricultural finance and regional SME lending.