[신한금융 리딩 자본공식]① 비은행 셈법부터 '싹' 바꾼다

Shinhan Financial is fundamentally shifting its performance evaluation from traditional net profit to capital efficiency metrics (ROC), elevating less capital-intensive businesses like securities and asset management. This strategic pivot reflects the industry reality that maximizing returns under strict capital ratio requirements requires prioritizing high-efficiency revenue streams over volume-driven lending. The reorganization signals a new competitive paradigm where capital efficiency, not absolute profitability, determines portfolio allocation and business unit positioning.