diff --git a/tools/update_workbook_sector_insights.py b/tools/update_workbook_sector_insights.py
index 1536ce0..2148030 100644
--- a/tools/update_workbook_sector_insights.py
+++ b/tools/update_workbook_sector_insights.py
@@ -230,26 +230,30 @@ def build_portfolio_sector_exposure(wb) -> None:
     account_headers, account_rows = extract_sheet_rows(wb, "account_snapshot")
     universe_headers, universe_rows = extract_sheet_rows(wb, "universe")
 
+    account_dicts = [dict(zip(account_headers, row)) for row in account_rows if any(v not in (None, "") for v in row)]
+    universe_dicts = [dict(zip(universe_headers, row)) for row in universe_rows if any(v not in (None, "") for v in row)]
+
     sector_map: dict[str, str] = {}
-    for row in universe_rows:
-        if len(row) >= 3 and row[0] and row[2]:
-            ticker = str(row[0]).zfill(6)
-            sector_map[ticker] = str(row[2])
+    for row in universe_dicts:
+        ticker = str(row.get("Ticker", "") or "").zfill(6)
+        sector = str(row.get("Sector", "") or "").strip()
+        if ticker and sector:
+            sector_map[ticker] = sector
 
     latest_capture = ""
-    for row in account_rows:
-        cap = str(row[0] or "")
+    for row in account_dicts:
+        cap = str(row.get("captured_at", "") or "")
         if cap and cap >= latest_capture:
             latest_capture = cap
-    latest_rows = [r for r in account_rows if str(r[0] or "") == latest_capture]
+    latest_rows = [r for r in account_dicts if str(r.get("captured_at", "") or "") == latest_capture]
 
     exposure: dict[str, dict[str, float]] = {}
     for row in latest_rows:
-        ticker = str(row[3] or "").zfill(6)
+        ticker = str(row.get("ticker", "") or "").zfill(6)
         sector = sector_map.get(ticker, "미분류")
-        mv = float(row[10] or 0)
-        pl = float(row[11] or 0)
-        cost = float(row[8] or 0)
+        mv = float(row.get("market_value", 0) or 0)
+        pl = float(row.get("profit_loss", 0) or 0)
+        cost = float(row.get("total_cost", 0) or 0)
         bucket = exposure.setdefault(sector, {"market_value": 0.0, "profit_loss": 0.0, "cost": 0.0, "count": 0.0})
         bucket["market_value"] += mv
         bucket["profit_loss"] += pl