diff --git a/src/hooks/useCEODashboard.ts b/src/hooks/useCEODashboard.ts
index d5ede586..2d9d5dea 100644
--- a/src/hooks/useCEODashboard.ts
+++ b/src/hooks/useCEODashboard.ts
@@ -23,8 +23,15 @@ import type {
   WelfareApiResponse,
   WelfareDetailApiResponse,
   ExpectedExpenseDashboardDetailApiResponse,
+  LoanDashboardApiResponse,
+  TaxSimulationApiResponse,
 } from '@/lib/api/dashboard/types';
 
+import {
+  fetchLoanDashboard,
+  fetchTaxSimulation,
+} from '@/lib/api/dashboard/endpoints';
+
 import {
   transformDailyReportResponse,
   transformReceivableResponse,
@@ -226,8 +233,18 @@ export function useCardManagement(fallbackData?: CardManagementData) {
       setLoading(true);
       setError(null);
 
-      const apiData = await fetchApi<CardTransactionApiResponse>('card-transactions/summary');
-      const transformed = transformCardManagementResponse(apiData, fallbackData);
+      // 3개 API 병렬 호출: 카드거래, 가지급금, 세금 시뮬레이션
+      const [cardApiData, loanResponse, taxResponse] = await Promise.all([
+        fetchApi<CardTransactionApiResponse>('card-transactions/summary'),
+        fetchLoanDashboard(),
+        fetchTaxSimulation(),
+      ]);
+
+      // LoanDashboard와 TaxSimulation은 ApiResponse wrapper가 있으므로 data 추출
+      const loanData = loanResponse.success ? loanResponse.data : null;
+      const taxData = taxResponse.success ? taxResponse.data : null;
+
+      const transformed = transformCardManagementResponse(cardApiData, loanData, taxData, fallbackData);
       setData(transformed);
 
     } catch (err) {
@@ -1028,8 +1045,21 @@ export function useCEODashboard(options: UseCEODashboardOptions = {}): CEODashbo
     try {
       setCardManagementLoading(true);
       setCardManagementError(null);
-      const apiData = await fetchApi<CardTransactionApiResponse>('card-transactions/summary');
-      setCardManagementData(transformCardManagementResponse(apiData, cardManagementFallback));
+
+      // 3개 API 병렬 호출: 카드거래, 가지급금, 세금 시뮬레이션
+      const [cardApiData, loanResponse, taxResponse] = await Promise.all([
+        fetchApi<CardTransactionApiResponse>('card-transactions/summary'),
+        fetchLoanDashboard(),
+        fetchTaxSimulation(),
+      ]);
+
+      // LoanDashboard와 TaxSimulation은 ApiResponse wrapper가 있으므로 data 추출
+      const loanData = loanResponse.success ? loanResponse.data : null;
+      const taxData = taxResponse.success ? taxResponse.data : null;
+
+      setCardManagementData(
+        transformCardManagementResponse(cardApiData, loanData, taxData, cardManagementFallback)
+      );
     } catch (err) {
       setCardManagementError(err instanceof Error ? err.message : '데이터 로딩 실패');
     } finally {
diff --git a/src/lib/api/dashboard/transformers.ts b/src/lib/api/dashboard/transformers.ts
index fb2b5acd..7d000159 100644
--- a/src/lib/api/dashboard/transformers.ts
+++ b/src/lib/api/dashboard/transformers.ts
@@ -21,6 +21,8 @@ import type {
   CardDashboardDetailApiResponse,
   BillDashboardDetailApiResponse,
   ExpectedExpenseDashboardDetailApiResponse,
+  LoanDashboardApiResponse,
+  TaxSimulationApiResponse,
 } from './types';
 
 import type {
@@ -485,43 +487,60 @@ function generateCardManagementCheckPoints(api: CardTransactionApiResponse): Che
 
 /**
  * CardTransaction API 응답 → Frontend 타입 변환
- * 4개 카드 구조 유지: 카드, 가지급금, 법인세 예상 가중, 대표자 종합세 예상 가중
- * 주의: 가지급금, 법인세, 종합세 관련 데이터는 별도 API 필요 (현재 목업 유지)
+ * 4개 카드 구조:
+ * - cm1: 카드 사용액 (CardTransaction API)
+ * - cm2: 가지급금 (LoanDashboard API)
+ * - cm3: 법인세 예상 가중 (TaxSimulation API - corporate_tax.difference)
+ * - cm4: 대표자 종합세 예상 가중 (TaxSimulation API - income_tax.difference)
  */
 export function transformCardManagementResponse(
   summaryApi: CardTransactionApiResponse,
+  loanApi?: LoanDashboardApiResponse | null,
+  taxApi?: TaxSimulationApiResponse | null,
   fallbackData?: CardManagementData
 ): CardManagementData {
   const changeRate = calculateChangeRate(summaryApi.current_month_total, summaryApi.previous_month_total);
 
+  // cm2: 가지급금 금액 (LoanDashboard API 또는 fallback)
+  const loanAmount = loanApi?.summary?.total_outstanding ?? fallbackData?.cards[1]?.amount ?? 0;
+
+  // cm3: 법인세 예상 가중 (TaxSimulation API 또는 fallback)
+  const corporateTaxDifference = taxApi?.corporate_tax?.difference ?? fallbackData?.cards[2]?.amount ?? 0;
+
+  // cm4: 대표자 종합세 예상 가중 (TaxSimulation API 또는 fallback)
+  const incomeTaxDifference = taxApi?.income_tax?.difference ?? fallbackData?.cards[3]?.amount ?? 0;
+
+  // 가지급금 경고 배너 표시 여부 결정 (가지급금 잔액 > 0이면 표시)
+  const hasLoanWarning = loanAmount > 0;
+
   return {
-    // 가지급금 관련 경고 배너 (별도 API 필요)
-    warningBanner: fallbackData?.warningBanner,
+    // 가지급금 관련 경고 배너 (가지급금 있을 때만 표시)
+    warningBanner: hasLoanWarning ? fallbackData?.warningBanner : undefined,
     cards: [
-      // cm1: 카드 사용액 (API 데이터)
+      // cm1: 카드 사용액 (CardTransaction API)
       {
         id: 'cm1',
         label: '카드',
         amount: summaryApi.current_month_total,
         previousLabel: `전월 대비 ${changeRate > 0 ? '+' : ''}${changeRate.toFixed(1)}%`,
       },
-      // cm2: 가지급금 (별도 API 필요 - 현재 fallback)
-      fallbackData?.cards[1] ?? {
+      // cm2: 가지급금 (LoanDashboard API)
+      {
         id: 'cm2',
         label: '가지급금',
-        amount: 0,
+        amount: loanAmount,
       },
-      // cm3: 법인세 예상 가중 (별도 API 필요 - 현재 fallback)
-      fallbackData?.cards[2] ?? {
+      // cm3: 법인세 예상 가중 (TaxSimulation API)
+      {
         id: 'cm3',
         label: '법인세 예상 가중',
-        amount: 0,
+        amount: corporateTaxDifference,
       },
-      // cm4: 대표자 종합세 예상 가중 (별도 API 필요 - 현재 fallback)
-      fallbackData?.cards[3] ?? {
+      // cm4: 대표자 종합세 예상 가중 (TaxSimulation API)
+      {
         id: 'cm4',
         label: '대표자 종합세 예상 가중',
-        amount: 0,
+        amount: incomeTaxDifference,
       },
     ],
     checkPoints: generateCardManagementCheckPoints(summaryApi),