신한, 4대 은행 서울시금고 각축전 최종 '승자'…51조 지킨다

Shinhan Bank's retention of Seoul City Treasury management is strategically significant beyond its 51-trillion-won deposit base—it establishes the bank as a proven operator of critical public financial infrastructure, creating a competitive moat for future government contracts. This consolidation matters in an environment where institutional deposits provide essential low-cost funding as margins compress. The contract validates Shinhan's digital financial capabilities and public sector relationships, positioning it to expand institutional banking across Korea's broader municipal and government markets.