롯데카드, 순익 40% 줄고 건전성 빨간불…관건은 '비용 통제'

Lotte Card's 40% profit collapse and surging delinquency rates expose structural vulnerabilities in credit card operations under high-rate environments. The company's deteriorating asset quality stands well above industry averages, signaling broader risks in the financial sector as consumer repayment capacity weakens. Strategic focus must shift from growth to risk management and cost optimization to maintain stability.