국민은행, 10조 금리우대로 '생산적금융' 정조준…여신 체계도 개선

KB National Bank's expansion of its productive finance program to 10 trillion won signals the Korean banking sector's strategic pivot toward supporting growth industries, exporters, and SMEs amid ongoing consumer lending restrictions. By systematically overhauling lending criteria, KPIs, and rate-setting mechanisms—not just increasing funding—the bank demonstrates a fundamental shift in financial allocation away from speculative activity toward economically productive sectors. This reflects a broader industry trend of finding new growth drivers in corporate finance as household lending becomes increasingly constrained.