국민은행, NSFR 118%대 유지…자산 늘리고 조달 역량도 성장

KB Kookmin Bank demonstrates that managing assets and liquidity concurrently strengthens rather than constrains competitive position—achieving a 118.72% NSFR while growing assets outpaces competitors (110% range) and reshapes expectations for sustainable banking growth. The bank's balanced funding model (retail deposits, wholesale markets, capital) shows how to avoid over-reliance on any single source while maintaining cost efficiency and regulatory headroom. This structural approach to liquidity management signals a shift in banking strategy from defensive compliance to competitive differentiation.