# net interest margin
Latest news and articles about net interest margin
Total: 5 articles found
China’s Small Banks Raise Deposit Rates Ahead of Lunar New Year as Term Deposits Roll Over
Ahead of the Lunar New Year, many Chinese regional and rural banks have raised deposit rates — in some cases to around 2.15% for three‑year large‑denomination products — to capture maturing term deposits. The moves are largely tactical, driven by over 50 trillion yuan of fixed‑term deposits rolling off and by deposit concentration at large banks, and they risk raising funding costs without changing the industry’s longer‑term downward trend in deposit yields.
China’s Small Banks Raise Deposit Stakes: Rural Lenders Lead a Wave of Short‑Term, High‑Threshold CDs
Regional and rural commercial banks in China have aggressively issued short‑term, large‑denomination certificates of deposit and modestly raised one‑to‑three‑year time deposit rates to attract funds ahead of the spring lending season. These moves contrast with state banks’ retrenchment from long‑dated high‑coupon deposits and reflect margin pressure and fierce local competition for deposits.
China’s Deposit Rates Slide: Large CDs Fall Below 1% as Banks Trim Long-term Offers
Chinese banks have cut rates on large-denomination certificates of deposit, with many short-term offerings now below 1%. The retreat of longer-term deposit products and tighter issuance reflects central-bank easing and banks’ efforts to protect net interest margins, prompting savers to seek alternative yields and raising questions about future credit growth and financial stability.
China’s Small Banks Raise Deposit Rates in Targeted Push for Funds — A Sign of Funding Strain, Not a Market Reprieve
Several Chinese small and rural banks have raised deposit rates selectively — by up to about 20 basis points — using time-limited or high-minimum products to attract funding at the start of 2026. The moves reflect year-beginning funding drives and competitive pressures on institutions with weaker deposit franchises, not a broad reversal of the downtrend in deposit pricing.
China’s Deposit Market Goes Low and Short: Savers “Move House” Between Banks as Yields Slump
New-issue large-denomination bank deposits in China have moved decisively into single-digit annual yields, with tenors shortening and minimum subscription amounts rising. Faced with a 75 trillion yuan maturity wave in 2026, savers are largely redeploying funds across banks rather than into equities, forcing lenders to compete through targeted rate offers, higher thresholds and bespoke customer retention tactics.