rising4월 2일· 2 sources

KB손해보험, CSM 9조원 사수…보장성·신계약 '쌍끌이' 성과

Why it matters

KB Insurance successfully maintained its CSM (Contract Service Margin) above 9 trillion won despite year-end adjustments, demonstrating resilience driven by consistent new contract inflows exceeding 1.7 trillion won annually. The company's strategic shift toward high-margin long-term health and casualty insurance, combined with disciplined underwriting and rational pricing, prioritizes portfolio quality over volume growth. This performance positions KB Insurance for sustainable expansion as it pursues digital transformation and new ventures like O-care healthcare services.

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artificial intelligencecontract service margin (csm)csmdigital transformationhealth insurancek-ics ratiokb insurancelong-term insuranceloss ratiounderwriting

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