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</script> </div> </div> <section class="news"> <div class="news_view"> <ul> <li> <h1>[대한민국 100대 CEO] 최우형 케이뱅크 행장 | 여수신 급증…1년 만에 순이익 10배 늘어</h1> <div class="view_img"> <p>최초입력 2025.04.29 14:03:37</p> <button type="button" class="btn_view btn_plus2" onclick='controlContentFontSize(0)'><span class="ico_comm ico_plus">크게</span></button> <button type="button" class="btn_view btn_min2" onclick='controlContentFontSize(1)'><span class="ico_comm ico_min">작게</span></button> </div> <div class="share_box"> <img src="//bimg.mk.co.kr/mkbn/mob/ic_sc2.png" width="29" alt="페이스북" onclick="sendThis('facebook');" data-label="facebook" data-category="share" class="sns_section_li" sns_name="facebook"> <img src="//bimg.mk.co.kr/mkbn/mob/ic_sc3.png" width="29" alt="트위터" onclick="sendThis('twitter');" data-label="twitter" data-category="share" class="sns_section_li" sns_name="twitter"> <a href="javascript:void(0);" data-label="kakaotalk" data-category="share"><img class="sns_section_li" sns_name="kakaotalk" src="//bimg.mk.co.kr/mkbn/mob/ic_sc4.png" width="29" alt="카카오톡"></a> <span class='bandSpabStyle2'> <script type="text/javascript"> new ShareBand.makeButton({"lang": "ko", "type": "c", "text": "", "withUrl": true}); </script> </span> <a onclick="sendMail();" href="javascript:void(0);" data-label="email" data-category="share"><img src="//bimg.mk.co.kr/mkbn/mob/ic_sc1.png" width="29" alt="메일보내기"></a> </div> </li> <li> <p class="sub_tit"></p><!-- View Type : 9--> </li> <style> #artText .mid_title { display: none; } </style> <li> <div id="artText" class="view_txt" style="font-size: 16px;"><div refId="1" class="thumb_area img"> <figure> <div class="thumb"> <img loading="lazy" src="https://wimg.mk.co.kr/news/cms/202504/29/news-p.v1.20250428.1afffd6e0fb141d396b129986273dbf2_P1.jpg" orgWidth="400" orgHeight="530" alt="1966년생/ 서울대 경제학과/ 서울대 경영대학원 석사/ 하나은행 액센츄어컨설팅 금융부문 이사/ 삼성SDS 금융컨설팅개발팀 상무/ 한국IBM 상무/ BNK금융그룹 디지털&IT부문장/ 케이뱅크 행장(현)" > <button class="btn btn_ic btn_zoom"> <i class="ic ic_zoom" data-url="https://wimg.mk.co.kr/news/cms/202504/29/news-p.v1.20250428.1afffd6e0fb141d396b129986273dbf2_R.jpg" data-width="400" data-height="530"></i> <span class="is_blind">사진 확대</span> </button> </div> <figcaption> <span class="thum_figure_txt">1966년생/ 서울대 경제학과/ 서울대 경영대학원 석사/ 하나은행 액센츄어컨설팅 금융부문 이사/ 삼성SDS 금융컨설팅개발팀 상무/ 한국IBM 상무/ BNK금융그룹 디지털&IT부문장/ 케이뱅크 행장(현)</span> </figcaption> </figure></div><p refId="2">“신규 고객 모집, 월간 활성 사용자 수(MAU) 증대, 기존 고객의 거래 활성화, 그리고 이를 뒷받침할 자산건전성 제고 등 핵심 지표에 모든 역량을 집중하자.”</p><p refId="3">최우형 케이뱅크 행장의 취임 일성이다. 최 행장 부임 직전인 2023년, 케이뱅크는 연간 순이익이 128억원에 그치는 등 절체절명 위기에 빠졌다. 이를 극복하기 위해 최 행장은 회사 임직원들에게 ‘본질에 집중하자’라는 메시지를 던졌다.</p><p refId="4">최 행장은 부임 이후 인터넷은행 본연의 기능을 강화하는 데 집중했다. 결실은 차츰 나타나기 시작했다. 우선 은행 비즈니스 근간인 여·수신이 크게 성장했다. 업계 최고 수준 금리가 적용되는 파킹통장 플러스박스, 고액 예치 고객을 향한 추가 금리 혜택 등이 좋은 평가를 받았다. 매력적인 금리 덕분에 자산가들이 유입됐다. 2024년 1월 당국의 대출이동제가 시행되면서 금리 경쟁력을 갖춘 케이뱅크 아파트 담보대출이 크게 늘었다. 지난해 8월 사장님 부동산 담보대출까지 나오면서 담보대출 위주로 잔액이 늘었다.</p><div refId="5" class="thumb_area img"> <figure> <div class="thumb"> <img loading="lazy" src="https://wimg.mk.co.kr/news/cms/202504/29/news-p.v1.20250428.f048b659e0fb46c7829f4cb50017ed30_P1.jpg" orgWidth="400" orgHeight="319" alt="사진설명" > <button class="btn btn_ic btn_zoom"> <i class="ic ic_zoom" data-url="https://wimg.mk.co.kr/news/cms/202504/29/news-p.v1.20250428.f048b659e0fb46c7829f4cb50017ed30_R.jpg" data-width="400" data-height="319"></i> <span class="is_blind">사진 확대</span> </button> </div> <figcaption> </figcaption> </figure></div><p refId="6">최 행장이 이끄는 케이뱅크는 2024년 1281억원의 당기순이익을 기록, 사상 최대 실적을 다시 썼다. 1년 만에 당기순이익이 10배로 늘었다. 같은 기간 케이뱅크 고객은 953만명에서 1274만명으로 한 해에만 321만명이 증가했다. 연체율은 2023년 말 0.96%에서 2024년 말 0.9%로, 같은 기간 고정이하여신비율은 0.86%에서 0.82%로 개선됐다. 건전성 제고에 성공했다.</p><p refId="7">최 행장의 올해 목표는 ‘IT 강화’다. ‘AI powered bank’를 슬로건으로 AI 적극 도입에 나설 예정이다. 2024년 2월 인터넷은행 최초로 금융 특화 프라이빗 LLM(Large Language Model)을 도입한 데 이어, 3월엔 금융권 최초로 AI 보이스피싱 실시간 탐지 기술을 도입했다. 전 은행권의 화두인 AI 적용에 앞장서고 있다.</p><p refId="8">[본 기사는 매경이코노미 제2307호·별책부록 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