[은행 NIM 전략]② 신한 저원가성 예금 4조↑…NIM 반등 견인

Shinhan Bank's Q1 NIM improvement reveals a critical competitive advantage: strategic funding-cost management over rate-cutting competition. As interest rates decline, the ability to maintain profitability through deposit portfolio optimization and selective asset growth becomes essential for banks, making Shinhan's case a strategic model for the industry. This shift from deposit-volume competition to cost-discipline indicates a structural transformation in how Korean banks compete in a low-rate environment.