지방은행도 갈렸다…생산성 격차 벌린 이자비용, 1위는?

This article reveals how interest expense ratios and cost management strategies create significant performance gaps among Korean banks. Despite operating under similar interest-based revenue models, regional banks' financial outcomes diverge dramatically based on cost efficiency choices, with JB Financial Group's banks demonstrating that lower cost structures can achieve productivity levels comparable to major banks. The findings highlight that cost optimization, rather than revenue model alone, is the critical differentiator for banking profitability and employee productivity.