[생산적 전환 루트]③ 하나금융 기업대출 1.8%↑…리밸런싱의 초격차

Hana Financial is executing a strategic pivot from volume-driven growth to profitability-focused lending, reducing retail loans while selectively expanding corporate lending to premium clients. The 1.8% corporate loan growth coupled with 6bp NIM improvement demonstrates that portfolio rebalancing toward higher-quality assets directly enhances financial metrics. This quality-over-quantity approach represents a meaningful shift in Korean banking strategy, where capital efficiency and risk-adjusted returns increasingly define competitive positioning.