[은행 NIM 전략]① KB국민 핵심예금 171조…NIM 1위 지켰다

KB Kookmin Bank's strategy demonstrates a fundamental shift in how Korean banks compete—focusing on low-cost funding structures rather than just higher lending rates. With core deposits reaching 171 trillion won and a 97.9% loan-to-deposit ratio, the bank exemplifies how customer relationship stickiness and operational efficiency can protect margins in a volatile interest rate environment. This approach becomes critical as rates potentially decline, where maintaining low-cost deposits will be the key differentiator among financial institutions.