KB손해보험 순익 줄어도 ROE 14%대…장기보험 무게 실은 성과

KB Insurance maintained an ROE of 14.69% despite a 33% decline in net income through portfolio restructuring toward long-term insurance products and expanded Contract Service Margin (CSM). The launch of integrated healthcare insurance linked with digital platforms represents the industry's strategic shift toward customer retention and long-term contracts as a competitive advantage.