2026년 Industry Credit Outlook

<p>2026년 Industry Credit Outlook</p><div class="figure-file" data-ke-type="file" data-file-src="https://t1.daumcdn.net/cafeattach/1Xpcc/4f5c5a926c6882cd4e510af8d58b2f2091835687?download" data-file-name="(Data Sheet) 일반은행 재무자료_2025.3Q.xlsx" data-file-size="1552232" data-mimetype="application/haansoftxlsx" data-ke-align="alignCenter"><a href="javascript:checkVirus('grpid%3D1Xpcc%26fldid%3DhrKk%26dataid%3D38268%26fileid%3D55%26regdt%3D20251213235401&url=https%3A%2F%2Ft1.daumcdn.net%2Fcafeattach%2F1Xpcc%2F4f5c5a926c6882cd4e510af8d58b2f2091835687')"><div class="image"></div><div class="desc"><div class="filename"><span class="name">(Data Sheet) 일반은행 재무자료_2025.3Q</span><span class="type">.xlsx</span></div><div class="size">1.48MB</div></div></a></div><div class="figure-file" data-ke-type="file" data-file-src="https://t1.daumcdn.net/cafeattach/1Xpcc/f1c03504292dfe179431a126a3346b2fb0bc070a?download" data-file-name="2026 Industry Credit Outlook_종합, 기업부문.pdf" data-file-size="2630986" 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class="size">624.56KB</div></div></a></div><div class="figure-file" data-ke-type="file" data-file-src="https://t1.daumcdn.net/cafeattach/1Xpcc/36d648c5fcf547a03b436ec99bb0cfc2831f8b8e?download" data-file-name="2026년 Industry Credit Outlook [철강] 내우외환, 업계와 당국의 적극적인 대응이 필요한 시점.pdf" data-file-size="533038" data-mimetype="application/pdf" data-ke-align="alignCenter"><a href="javascript:checkVirus('grpid%3D1Xpcc%26fldid%3DhrKk%26dataid%3D38268%26fileid%3D51%26regdt%3D20251213235401&url=https%3A%2F%2Ft1.daumcdn.net%2Fcafeattach%2F1Xpcc%2F36d648c5fcf547a03b436ec99bb0cfc2831f8b8e')"><div class="image"></div><div class="desc"><div class="filename"><span class="name">2026년 Industry Credit Outlook [철강] 내우외환, 업계와 당국의 적극적인 대응이 필요한 시점</span><span class="type">.pdf</span></div><div class="size">520.54KB</div></div></a></div><div class="figure-file" data-ke-type="file" data-file-src="https://t1.daumcdn.net/cafeattach/1Xpcc/5f4f8224dab17835a97fd5b15eea6724bc29ab97?download" data-file-name="2026년 Industry Credit Outlook [통신서비스] 보안리스크 딛고, AI 확장과 보안투자 확대 속에서도 견조한 펀더멘탈 유지 전망.pdf" data-file-size="591782" data-mimetype="application/pdf" data-ke-align="alignCenter"><a href="javascript:checkVirus('grpid%3D1Xpcc%26fldid%3DhrKk%26dataid%3D38268%26fileid%3D54%26regdt%3D20251213235401&url=https%3A%2F%2Ft1.daumcdn.net%2Fcafeattach%2F1Xpcc%2F5f4f8224dab17835a97fd5b15eea6724bc29ab97')"><div class="image"></div><div class="desc"><div class="filename"><span class="name">2026년 Industry Credit Outlook [통신서비스] 보안리스크 딛고, AI 확장과 보안투자 확대 속에서도 견조한 펀더멘탈 유지 전망</span><span class="type">.pdf</span></div><div class="size">577.91KB</div></div></a></div><div class="figure-file" data-ke-type="file" data-file-src="https://t1.daumcdn.net/cafeattach/1Xpcc/a8b09f51093a17b58f246db05b4d393b495ae445?download" data-file-name="2026년 Industry Credit Outlook [메모리반도체] 강력한 AI 수요에 힘입은 업황 호조, 구조적인 체질 개선 지속.pdf" data-file-size="623365" data-mimetype="application/pdf" data-ke-align="alignCenter"><a 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class="image"></div><div class="desc"><div class="filename"><span class="name">2026년 Industry Credit Outlook [음식료] 순항중인 글로벌 사업, 투자부담 감내할 수 있을까</span><span class="type">.pdf</span></div><div class="size">489.71KB</div></div></a></div><div class="figure-file" data-ke-type="file" data-file-src="https://t1.daumcdn.net/cafeattach/1Xpcc/e5befc958c5a440857f828134ec22bfa1b6043d8?download" data-file-name="2026년 Industry Credit Outlook [소매유통] 빅블러 현상과 산업구조조정으로 촉발될 지각변동.pdf" data-file-size="495080" data-mimetype="application/pdf" data-ke-align="alignCenter"><a href="javascript:checkVirus('grpid%3D1Xpcc%26fldid%3DhrKk%26dataid%3D38268%26fileid%3D58%26regdt%3D20251213235401&url=https%3A%2F%2Ft1.daumcdn.net%2Fcafeattach%2F1Xpcc%2Fe5befc958c5a440857f828134ec22bfa1b6043d8')"><div class="image"></div><div class="desc"><div class="filename"><span class="name">2026년 Industry Credit Outlook [소매유통] 빅블러 현상과 산업구조조정으로 촉발될 지각변동</span><span class="type">.pdf</span></div><div class="size">483.48KB</div></div></a></div><div class="figure-file" data-ke-type="file" data-file-src="https://t1.daumcdn.net/cafeattach/1Xpcc/251fe1f930b075b67995b33cc4168ce33469abeb?download" data-file-name="2026년 Industry Credit Outlook [건설] 원가율 개선을 제약하는 미분양과 규제의 그림자.pdf" data-file-size="517588" data-mimetype="application/pdf" data-ke-align="alignCenter"><a href="javascript:checkVirus('grpid%3D1Xpcc%26fldid%3DhrKk%26dataid%3D38268%26fileid%3D60%26regdt%3D20251213235401&url=https%3A%2F%2Ft1.daumcdn.net%2Fcafeattach%2F1Xpcc%2F251fe1f930b075b67995b33cc4168ce33469abeb')"><div class="image"></div><div class="desc"><div class="filename"><span class="name">2026년 Industry Credit Outlook [건설] 원가율 개선을 제약하는 미분양과 규제의 그림자</span><span class="type">.pdf</span></div><div class="size">505.46KB</div></div></a></div><div class="figure-file" data-ke-type="file" data-file-src="https://t1.daumcdn.net/cafeattach/1Xpcc/1a3793121406ae61b2885a550450e2aefce8665e?download" data-file-name="2026년 Industry Credit 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class="image"></div><div class="desc"><div class="filename"><span class="name">2026년 Industry Credit Outlook [석유화학] 냉랭한 수급 속 구조개편 본격화</span><span class="type">.pdf</span></div><div class="size">472.15KB</div></div></a></div><div class="figure-file" data-ke-type="file" data-file-src="https://t1.daumcdn.net/cafeattach/1Xpcc/e49dcc306fc3e3933e37a6b526331b31ed43de54?download" data-file-name="2026년 Industry Credit Outlook [정유] 유가 약세에도 실적 개선 전망.pdf" data-file-size="515257" data-mimetype="application/pdf" data-ke-align="alignCenter"><a href="javascript:checkVirus('grpid%3D1Xpcc%26fldid%3DhrKk%26dataid%3D38268%26fileid%3D64%26regdt%3D20251213235401&url=https%3A%2F%2Ft1.daumcdn.net%2Fcafeattach%2F1Xpcc%2Fe49dcc306fc3e3933e37a6b526331b31ed43de54')"><div class="image"></div><div class="desc"><div class="filename"><span class="name">2026년 Industry Credit Outlook [정유] 유가 약세에도 실적 개선 전망</span><span class="type">.pdf</span></div><div class="size">503.18KB</div></div></a></div><div class="figure-file" data-ke-type="file" data-file-src="https://t1.daumcdn.net/cafeattach/1Xpcc/8b7f08cee9ab1512a13edd43570d494287824b0e?download" data-file-name="2026년 Industry Credit Outlook [디스플레이] OLED 시장 확대와 비용효율화로 완만한 실적 개선세 유지.pdf" data-file-size="628445" data-mimetype="application/pdf" data-ke-align="alignCenter"><a href="javascript:checkVirus('grpid%3D1Xpcc%26fldid%3DhrKk%26dataid%3D38268%26fileid%3D63%26regdt%3D20251213235401&url=https%3A%2F%2Ft1.daumcdn.net%2Fcafeattach%2F1Xpcc%2F8b7f08cee9ab1512a13edd43570d494287824b0e')"><div class="image"></div><div class="desc"><div class="filename"><span class="name">2026년 Industry Credit Outlook [디스플레이] OLED 시장 확대와 비용효율화로 완만한 실적 개선세 유지</span><span class="type">.pdf</span></div><div class="size">613.72KB</div></div></a></div><div class="figure-file" data-ke-type="file" data-file-src="https://t1.daumcdn.net/cafeattach/1Xpcc/be97a99b7263de02a245607ecfbcc6e0d265cf3e?download" data-file-name="2026년 Industry Credit Outlook [금융부문 요약] 증권, 할부리스, 부동산신탁, 저축은행.pdf" 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class="image"></div><div class="desc"><div class="filename"><span class="name">2026년 Industry Credit Outlook [기업부문 요약] 자동차, 이차전지, 조선, 해운, 항공, 방산</span><span class="type">.pdf</span></div><div class="size">1.39MB</div></div></a></div><div class="figure-file" data-ke-type="file" data-file-src="https://t1.daumcdn.net/cafeattach/1Xpcc/e03a37f5b6cc61d970287771d7422bd2603a8bab?download" data-file-name="2026년 Industry Credit Outlook [기업부문 요약] 메모리반도체, 디스플레이, 통신서비스, 철강, 제약.pdf" data-file-size="794457" data-mimetype="application/pdf" data-ke-align="alignCenter"><a href="javascript:checkVirus('grpid%3D1Xpcc%26fldid%3DhrKk%26dataid%3D38268%26fileid%3D67%26regdt%3D20251213235401&url=https%3A%2F%2Ft1.daumcdn.net%2Fcafeattach%2F1Xpcc%2Fe03a37f5b6cc61d970287771d7422bd2603a8bab')"><div class="image"></div><div class="desc"><div class="filename"><span class="name">2026년 Industry Credit Outlook [기업부문 요약] 메모리반도체, 디스플레이, 통신서비스, 철강, 제약</span><span class="type">.pdf</span></div><div class="size">775.84KB</div></div></a></div><div class="figure-file" data-ke-type="file" data-file-src="https://t1.daumcdn.net/cafeattach/1Xpcc/1aec99a2c76298053b3f490ecab0bc7e5556e4e6?download" data-file-name="2026년 Industry Credit Outlook [기업부문 요약] 건설, 소매유통, 음식료, 호텔,면세.pdf" data-file-size="654852" data-mimetype="application/pdf" data-ke-align="alignCenter"><a href="javascript:checkVirus('grpid%3D1Xpcc%26fldid%3DhrKk%26dataid%3D38268%26fileid%3D65%26regdt%3D20251213235401&url=https%3A%2F%2Ft1.daumcdn.net%2Fcafeattach%2F1Xpcc%2F1aec99a2c76298053b3f490ecab0bc7e5556e4e6')"><div class="image"></div><div class="desc"><div class="filename"><span class="name">2026년 Industry Credit Outlook [기업부문 요약] 건설, 소매유통, 음식료, 호텔,면세</span><span class="type">.pdf</span></div><div class="size">639.50KB</div></div></a></div><div class="figure-file" data-ke-type="file" data-file-src="https://t1.daumcdn.net/cafeattach/1Xpcc/b92476fde7f5abf7926db57ecffa5d7ab755b517?download" data-file-name="2026년 Industry Credit 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href="javascript:checkVirus('grpid%3D1Xpcc%26fldid%3DhrKk%26dataid%3D38268%26fileid%3D70%26regdt%3D20251213235401&url=https%3A%2F%2Ft1.daumcdn.net%2Fcafeattach%2F1Xpcc%2Fe7c5f2e6652a615a6e5eeb08adac5bfa0503db19')"><div class="image"></div><div class="desc"><div class="filename"><span class="name">2026년 Industry Credit Outlook [종합] - 경기 회복 예상되나 상향 우위의 등급변동 기조 지속 여부는 불투명</span><span class="type">.pdf</span></div><div class="size">512.86KB</div></div></a></div><div class="table-wrap"><table data-ke-type="table" data-ke-align="alignLeft" style="width: 100%;" border="1"><tbody><tr><td style="width: 2.12621%; text-align: center;"></td><td style="width: 11.1921%; text-align: center;" colspan="2">Issue Report</td><td style="width: 62.802%; text-align: left;" colspan="2">[대외요인 변화에 따른 영향 2026] - 2026년 글로벌 저성장기조 유지 전망, - 석유화학, 이차전지 등은 하향 압력 크겠지만, 조선, 반도체 등은 상향모멘텀 높을 전망</td><td style="width: 13.0735%; text-align: center;" colspan="2">유준위,최주욱,최한승,<br>송종휴,이지웅</td><td style="width: 8.30832%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: center;" colspan="2"><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Xpcc/951c362b34981b4d86216c09b06a513bef89bb65" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Xpcc/951c362b34981b4d86216c09b06a513bef89bb65" data-origin-width="18" data-origin-height="18"></div></td></tr><tr><td style="width: 2.12621%; text-align: center;"></td><td style="width: 11.1921%; text-align: center;" colspan="2">Special Comment</td><td style="width: 62.802%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [종합] 경기 회복 예상되나 상향 우위의 등급변동 기조 지속 여부는 불투명</td><td style="width: 13.0735%; text-align: center;" colspan="2">송수범,김정현,김경무</td><td style="width: 8.30832%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: center;" colspan="2"><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Xpcc/e182fead434309443b42892b096e4f01add8422f" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Xpcc/e182fead434309443b42892b096e4f01add8422f" data-origin-width="18" data-origin-height="18"></div></td></tr><tr><td style="width: 2.12621%; text-align: center;"></td><td style="width: 11.1921%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 62.802%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [기업부문 요약] 정유, 석유화학, 민자발전, 의류</td><td style="width: 13.0735%; text-align: center;" colspan="2">KR</td><td style="width: 8.30832%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: center;" colspan="2"><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Xpcc/51f2f1034b83629f687e7c5c744ea5e19b9583e8" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Xpcc/51f2f1034b83629f687e7c5c744ea5e19b9583e8" data-origin-width="18" data-origin-height="18"></div></td></tr><tr><td style="width: 2.12621%; text-align: center;"></td><td style="width: 11.1921%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 62.802%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [기업부문 요약] 건설, 소매유통, 음식료, 호텔/면세</td><td style="width: 13.0735%; text-align: center;" colspan="2">KR</td><td style="width: 8.30832%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: center;" colspan="2"><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Xpcc/4490c62293685ead35fcd4907662de5b5119f08a" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Xpcc/4490c62293685ead35fcd4907662de5b5119f08a" data-origin-width="18" data-origin-height="18"></div></td></tr><tr><td style="width: 2.12621%; text-align: center;"></td><td style="width: 11.1921%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 62.802%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [기업부문 요약] 메모리반도체, 디스플레이, 통신서비스, 철강, 제약</td><td style="width: 13.0735%; text-align: center;" colspan="2">KR</td><td style="width: 8.30832%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: center;" colspan="2"><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Xpcc/bdef6696937d44528b6c7b142b5ac7eed1caa7e7" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Xpcc/bdef6696937d44528b6c7b142b5ac7eed1caa7e7" data-origin-width="18" data-origin-height="18"></div></td></tr><tr><td style="width: 2.12621%; text-align: center;"></td><td style="width: 11.1921%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 62.802%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [기업부문 요약] 자동차, 이차전지, 조선, 해운, 항공, 방산</td><td style="width: 13.0735%; text-align: center;" colspan="2">KR</td><td style="width: 8.30832%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: center;" colspan="2"><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Xpcc/352dfb27efd6090f83f5f926216c94a716a3b0e0" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Xpcc/352dfb27efd6090f83f5f926216c94a716a3b0e0" data-origin-width="18" data-origin-height="18"></div></td></tr><tr><td style="width: 2.12621%; text-align: center;"></td><td style="width: 11.1921%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 62.802%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [금융부문 요약] 은행, 신용카드, 생명보험, 손해보험</td><td style="width: 13.0735%; text-align: center;" colspan="2">KR</td><td style="width: 8.30832%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: center;" colspan="2"><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Xpcc/09401c6a39e0194cb04897ade3613a09125956a0" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Xpcc/09401c6a39e0194cb04897ade3613a09125956a0" data-origin-width="18" data-origin-height="18"></div></td></tr><tr><td style="width: 2.12621%; text-align: center;"></td><td style="width: 11.1921%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 62.802%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [금융부문 요약] 증권, 할부리스, 부동산신탁, 저축은행</td><td style="width: 13.0735%; text-align: center;" colspan="2">KR</td><td style="width: 8.30832%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: center;" colspan="2"><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Xpcc/13d7f0a625c5ee87b306207912406fce73b1a916" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Xpcc/13d7f0a625c5ee87b306207912406fce73b1a916" data-origin-width="18" data-origin-height="18"></div></td></tr><tr><td style="width: 2.12621%; text-align: center;"></td><td style="width: 11.1921%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 62.802%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [디스플레이] OLED 시장 확대와 비용효율화로 완만한 실적 개선세 유지</td><td style="width: 13.0735%; text-align: center;" colspan="2">박원우,하현수,송종휴</td><td style="width: 8.30832%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: center;" colspan="2"><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Xpcc/2a28bb7790e921aa2e57360e7a50694838520869" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Xpcc/2a28bb7790e921aa2e57360e7a50694838520869" data-origin-width="18" data-origin-height="18"></div></td></tr><tr><td style="width: 2.12621%; text-align: center;"></td><td style="width: 11.1921%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 62.802%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [정유] 유가 약세에도 실적 개선 전망</td><td style="width: 13.0735%; text-align: center;" colspan="2">유준위,최주욱</td><td style="width: 8.30832%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: center;" colspan="2"><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Xpcc/beb91bbd3ef88ea7d9ba17a451b0a45cc9263312" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Xpcc/beb91bbd3ef88ea7d9ba17a451b0a45cc9263312" data-origin-width="18" data-origin-height="18"></div></td></tr><tr><td style="width: 2.12621%; text-align: center;"></td><td style="width: 11.1921%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 62.802%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [석유화학] 냉랭한 수급 속 구조개편 본격화</td><td style="width: 13.0735%; text-align: center;" colspan="2">유준위,최주욱</td><td style="width: 8.30832%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: center;" colspan="2"><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Xpcc/660de028930cadf5b043951c2dd05fb44535d6f0" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Xpcc/660de028930cadf5b043951c2dd05fb44535d6f0" data-origin-width="18" data-origin-height="18"></div></td></tr><tr><td style="width: 2.12621%; text-align: center;"></td><td style="width: 11.1921%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 62.802%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [민자발전] 정책 전환기, 발전원발전소별 실적차별화 심화 전망</td><td style="width: 13.0735%; text-align: center;" colspan="2">유준기,최주욱</td><td style="width: 8.30832%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: center;" colspan="2"><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Xpcc/a2332dbc06cfe45517ae922898eaad89a30eb5ab" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Xpcc/a2332dbc06cfe45517ae922898eaad89a30eb5ab" data-origin-width="18" data-origin-height="18"></div></td></tr><tr><td style="width: 2.12621%; text-align: center;"></td><td style="width: 11.1921%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 62.802%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [의류] 구조적 제약 속 완만한 회복</td><td style="width: 13.0735%; text-align: center;" colspan="2">유준기,최주욱</td><td style="width: 8.30832%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: center;" colspan="2"><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Xpcc/0637ffd550446ae179ed61854c1d6ceb6bc62129" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Xpcc/0637ffd550446ae179ed61854c1d6ceb6bc62129" data-origin-width="18" data-origin-height="18"></div></td></tr><tr><td style="width: 2.12621%; text-align: center;"></td><td style="width: 11.1921%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 62.802%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [건설] 원가율 개선을 제약하는 미분양과 규제의 그림자</td><td style="width: 13.0735%; text-align: center;" colspan="2">김현,최한승</td><td style="width: 8.30832%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: center;" colspan="2"><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Xpcc/edb4c41f382c13610cdc99ebe83e79879b721156" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Xpcc/edb4c41f382c13610cdc99ebe83e79879b721156" data-origin-width="18" data-origin-height="18"></div></td></tr><tr><td style="width: 2.12621%; text-align: center;"></td><td style="width: 11.1921%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 62.802%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [소매유통] 빅블러 현상과 산업구조조정으로 촉발될 지각변동</td><td style="width: 13.0735%; text-align: center;" colspan="2">김미희,최한승</td><td style="width: 8.30832%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: center;" colspan="2"><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Xpcc/0a58c2a5a2084170bbdc1d314855e80308b6c537" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Xpcc/0a58c2a5a2084170bbdc1d314855e80308b6c537" data-origin-width="18" data-origin-height="18"></div></td></tr></tbody></table></div><p> </p><p> </p><div class="table-wrap"><table data-ke-type="table" data-ke-align="alignLeft" style="width: 100%;" border="1"><tbody><tr><td style="width: 2.66581%; text-align: center;" colspan="2"></td><td style="width: 12.5679%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 60.7383%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [소매유통] 빅블러 현상과 산업구조조정으로 촉발될 지각변동</td><td style="width: 12.0783%; text-align: center;" colspan="2">김미희,최한승</td><td style="width: 9.61085%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: inherit;" colspan="2"></td></tr></tbody></table></div><div class="table-wrap"><table data-ke-type="table" data-ke-align="alignLeft" style="width: 100%;" border="1"><tbody><tr><td style="width: 6.79853%; text-align: center;" colspan="2"></td><td style="width: 11.6299%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 55.5871%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [음식료] 순항중인 글로벌 사업, 투자부담 감내할 수 있을까</td><td style="width: 14.0652%; text-align: center;" colspan="2">김경훈,김미희,최한승</td><td style="width: 9.61443%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: center;" colspan="2"><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Xpcc/c5a997556b9c0cbbc8bede2b4c1cb35a211cf593" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Xpcc/c5a997556b9c0cbbc8bede2b4c1cb35a211cf593" data-origin-width="18" data-origin-height="18"></div></td></tr><tr><td style="width: 6.79853%; text-align: center;" colspan="2"></td><td style="width: 11.6299%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 55.5871%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [호텔/면세] 구조조정 진행중인 면세, 신용도 방향성의 Key</td><td style="width: 14.0652%; text-align: center;" colspan="2">이주원,김미희,최한승</td><td style="width: 9.61443%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: center;" colspan="2"><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Xpcc/3c3c639e2df036e4cbaf82183f48b42ad4b80286" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Xpcc/3c3c639e2df036e4cbaf82183f48b42ad4b80286" data-origin-width="18" data-origin-height="18"></div></td></tr><tr><td style="width: 6.79853%; text-align: center;" colspan="2"></td><td style="width: 11.6299%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 55.5871%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [메모리반도체] 강력한 AI 수요에 힘입은 업황 호조, 구조적인 체질 개선 지속</td><td style="width: 14.0652%; text-align: center;" colspan="2">하현수,송종휴</td><td style="width: 9.61443%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: center;" colspan="2"><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Xpcc/cf68a01449bd244b099c2d2f1c5e58df87828d80" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Xpcc/cf68a01449bd244b099c2d2f1c5e58df87828d80" data-origin-width="18" data-origin-height="18"></div></td></tr><tr><td style="width: 6.79853%; text-align: center;" colspan="2"></td><td style="width: 11.6299%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 55.5871%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [통신서비스] 보안리스크 딛고, AI 확장과 보안투자 확대 속에서도 견조한 펀더멘탈 유지 전망</td><td style="width: 14.0652%; text-align: center;" colspan="2">박원우,하현수,송종휴</td><td style="width: 9.61443%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: center;" colspan="2"><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Xpcc/5ba8eea1d8fc90d6849e1b0ed7fe589977fc9101" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Xpcc/5ba8eea1d8fc90d6849e1b0ed7fe589977fc9101" data-origin-width="18" data-origin-height="18"></div></td></tr><tr><td style="width: 6.79853%; text-align: center;" colspan="2"></td><td style="width: 11.6299%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 55.5871%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [철강] 내우외환, 업계와 당국의 적극적인 대응이 필요한 시점</td><td style="width: 14.0652%; text-align: center;" colspan="2">안동민,송종휴</td><td style="width: 9.61443%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: center;" colspan="2"><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Xpcc/928b5f91015277e83253792867ec83177f444681" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Xpcc/928b5f91015277e83253792867ec83177f444681" data-origin-width="18" data-origin-height="18"></div></td></tr><tr><td style="width: 6.79853%; text-align: center;" colspan="2"></td><td style="width: 11.6299%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 55.5871%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [제약] 신사업·수출·R&D로 여는 기회, 투자부담을 감내할 때</td><td style="width: 14.0652%; text-align: center;" colspan="2">이순주,안동민,송종휴</td><td style="width: 9.61443%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: center;" colspan="2"><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Xpcc/75c9265feeaa261c1b28c4391ac7ff2a1ca9ff70" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Xpcc/75c9265feeaa261c1b28c4391ac7ff2a1ca9ff70" data-origin-width="18" data-origin-height="18"></div></td></tr><tr><td style="width: 6.79853%; text-align: center;" colspan="2"></td><td style="width: 11.6299%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 55.5871%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [자동차] 관세 불확실성 해소, 그러나 여전한 무게감</td><td style="width: 14.0652%; text-align: center;" colspan="2">김경률,이지웅</td><td style="width: 9.61443%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: center;" colspan="2"><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Xpcc/182f64724dbfb379a3fe81e2789c2b93198050cc" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Xpcc/182f64724dbfb379a3fe81e2789c2b93198050cc" data-origin-width="18" data-origin-height="18"></div></td></tr><tr><td style="width: 6.79853%; text-align: center;" colspan="2"></td><td style="width: 11.6299%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 55.5871%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [이차전지] 부정적 업황 속 ESS 물량 확보가 주요 관전 포인트</td><td style="width: 14.0652%; text-align: center;" colspan="2">민원식,김경률,이지웅</td><td style="width: 9.61443%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: center;" colspan="2"><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Xpcc/e904a490e0b681c8007521f1d9ad5c2a5adade03" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Xpcc/e904a490e0b681c8007521f1d9ad5c2a5adade03" data-origin-width="18" data-origin-height="18"></div></td></tr><tr><td style="width: 6.79853%; text-align: center;" colspan="2"></td><td style="width: 11.6299%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 55.5871%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [조선] Credit 회복한 조선업계, 글로벌 지위 공고화를 위한 다음 스텝 모색</td><td style="width: 14.0652%; text-align: center;" colspan="2">김종훈,이지웅</td><td style="width: 9.61443%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: center;" colspan="2"><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Xpcc/7575bdcd8a6d0f76e5df0acad67c10082109053b" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Xpcc/7575bdcd8a6d0f76e5df0acad67c10082109053b" data-origin-width="18" data-origin-height="18"></div></td></tr><tr><td style="width: 6.79853%; text-align: center;" colspan="2"></td><td style="width: 11.6299%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 55.5871%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [해운] 예견된 공급 우위 시장, 선사별 대응력이 관건</td><td style="width: 14.0652%; text-align: center;" colspan="2">이서진,김종훈,이지웅</td><td style="width: 9.61443%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: center;" colspan="2"><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Xpcc/76ce559385a02bb78dade1be786ed6f75f7ee354" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Xpcc/76ce559385a02bb78dade1be786ed6f75f7ee354" data-origin-width="18" data-origin-height="18"></div></td></tr></tbody></table></div><p> </p><div class="table-wrap"><table data-ke-type="table" data-ke-align="alignLeft" style="width: 100%;" border="1"><tbody><tr><td style="width: 2.66045%; text-align: center;" colspan="2"></td><td style="width: 12.1569%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 57.7973%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [항공] FSC의 업황 대응력이 빛을 발할 시간</td><td style="width: 15.7822%; text-align: center;" colspan="2">김종훈,이지웅</td><td style="width: 9.29817%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: inherit;"></td></tr><tr><td style="width: 2.66045%; text-align: center;" colspan="2"></td><td style="width: 12.1569%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 57.7973%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [방산] 글로벌 재무장 사이클 속 K-방산의 약진</td><td style="width: 15.7822%; text-align: center;" colspan="2">최정현,이지웅</td><td style="width: 9.29817%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: inherit;"></td></tr><tr><td style="width: 2.66045%; text-align: center;" colspan="2"></td><td style="width: 12.1569%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 57.7973%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [은행] 이익 증가가 부실채권 처리 부담을 상회할 전망</td><td style="width: 15.7822%; text-align: center;" colspan="2">정문영,김태현</td><td style="width: 9.29817%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: inherit;"></td></tr><tr><td style="width: 2.66045%; text-align: center;" colspan="2"></td><td style="width: 12.1569%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 57.7973%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [신용카드] 돌파구 없는 영업환경, 조달금리가 실적에 관건</td><td style="width: 15.7822%; text-align: center;" colspan="2">안태영,김태현</td><td style="width: 9.29817%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: inherit;"></td></tr><tr><td style="width: 2.66045%; text-align: center;" colspan="2"></td><td style="width: 12.1569%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 57.7973%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [보험] 이익도, 자본도 양보다 질</td><td style="width: 15.7822%; text-align: center;" colspan="2">송미정,김태현</td><td style="width: 9.29817%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: inherit;"></td></tr><tr><td style="width: 2.66045%; text-align: center;" colspan="2"></td><td style="width: 12.1569%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 57.7973%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [증권] 실적 개선에 가려진 업종 내 양극화</td><td style="width: 15.7822%; text-align: center;" colspan="2">윤민수,이창원</td><td style="width: 9.29817%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: inherit;"></td></tr><tr><td style="width: 2.66045%; text-align: center;" colspan="2"></td><td style="width: 12.1569%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 57.7973%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [할부리스] 위기는 넘겼지만, 대세 회복은 아직</td><td style="width: 15.7822%; text-align: center;" colspan="2">윤희경,정하영,김태현</td><td style="width: 9.29817%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: inherit;"></td></tr><tr><td style="width: 2.66045%; text-align: center;" colspan="2"></td><td style="width: 12.1569%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 57.7973%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [부동산신탁] 바닥 확인 아직, 반등 동력 미약</td><td style="width: 15.7822%; text-align: center;" colspan="2">김선주,이창원</td><td style="width: 9.29817%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: inherit;"></td></tr><tr><td style="width: 2.66045%; text-align: center;" colspan="2"></td><td style="width: 12.1569%; text-align: center;" colspan="2">Industry<br>Credit Outlook</td><td style="width: 57.7973%; text-align: left;" colspan="2">2026년 Industry Credit Outlook [저축은행] 바닥은 찍었지만, 불씨는 남아 있다</td><td style="width: 15.7822%; text-align: center;" colspan="2">안태영,김태현</td><td style="width: 9.29817%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: inherit;"></td></tr><tr><td style="width: 2.66045%; text-align: center;" colspan="2"></td><td style="width: 12.1569%; text-align: center;" colspan="2">Seminar</td><td style="width: 57.7973%; text-align: left;" colspan="2">[2025년 12월 11일 KR Web Seminar] 2026년 전망 및 신용등급 방향성 점검(종합 및 기업부문)</td><td style="width: 15.7822%; text-align: center;" colspan="2">KR</td><td style="width: 9.29817%; text-align: center;" colspan="2">2025.12.11</td><td style="width: 1.25786%; text-align: inherit;"></td></tr></tbody></table></div><div class="table-wrap"><table data-ke-type="table" data-ke-align="alignLeft" style="width: 100%;" border="1"><tbody><tr><td style="width: 2.38994%; text-align: center;"></td><td style="width: 26.6666%; text-align: center;" colspan="2">등급변동요인/금융 재무자료</td><td style="width: 37.7358%; text-align: left;" colspan="2">[Data Sheet] 일반은행 재무자료_2025.3Q</td><td style="width: 9.0566%; text-align: center;" colspan="2">금융1실</td><td style="width: 11.3208%; text-align: center;" colspan="2">2025.12.10</td></tr></tbody></table></div><p> </p><p> </p>