[대손비용 디펜스]③ 하나금융, 환입 착시 걷고 100% 커버리지 기대

Hana Financial Group's drop in the NPL coverage ratio below 100% highlights a critical phase where asset quality deterioration is outpacing reserve accumulation, signaling increased pressure on risk management. The group's ability to restore this buffer through NPL disposals in Q2 will be a vital indicator of financial resilience against rising real estate PF and corporate loan risks.