KB캐피탈, 자산 리밸런싱 속도…오토금융 의존도 줄인 배경은

KB Capital is strategically reducing its auto financing concentration (from 66.3% to 52.3% of assets) and pivoting toward higher-margin corporate and investment finance. This shift reflects intensifying competition from card companies entering the auto finance market and underscores a broader industry trend toward portfolio diversification to mitigate business concentration risk. The company's success in maintaining profitability (net income exceeding 2 trillion won) while executing this restructuring demonstrates the viability of this upstream migration toward institutional finance.