서울시금고 둘러싼 신한·우리 재격돌…KB·하나 '참전' 변수될까

Four major Korean banks are competing for Seoul's 50 trillion won government account (2027-2030), seeking to secure approximately 5 trillion won in low-cost deposits that directly improve profit structures and institutional banking operations. The bidding criteria are shifting from contribution-based competition to performance-based evaluation emphasizing interest rates, system stability, and operational efficiency—a fundamental change prioritizing substance over upfront spending. This competition reflects how institutional finance contracts have become strategic battlegrounds where financial terms and operational excellence determine competitive positioning and long-term market advantage.