根据开源证券测算，上市银行2025年到期高息定存(2Y及以上)共39.7万亿元，其中2Y/3Y/5Y分别为 19.8/17.4/2.5万亿元；到期节奏来看，Q1/Q2/Q3/Q4分别到期42%/16%/18%/24%。2026H1到期高息定 存约19.6万亿元。具体假设如下： 测算2025年到期高息定存约39.7万亿元，其中42%已于Q1到期 确定到期存款规模：2024年末1Y以内重定价的存款将于2025年到期，剔除活期存款后，2025年到期定 存规模共计79万亿元。 智通财经APP获悉，开源证券发布研报称，根据测算，上市银行2025年到期高息定存(2Y及以上)共39.7 万亿元，其中2Y/3Y/5Y分别为19.8/17.4/2.5万亿元；到期节奏来看，Q1/Q2/Q3/Q4分别到期 42%/16%/18%/24%。从单季存款成本率影响来看，2025年定存重定价对上市银行Q1/Q2/Q3/Q4单季存款 成本率分别改善11.7BP、4.2BP、5.7BP、5.1BP，2025上市银行单季存款平均成本率于Q1/Q2/Q3/Q4分 别降至1.68%、1.64%、1.58%、1.53%。25Q2商业银行经营指标向上修 ...

格隆汇8月22日｜A股银行股普跌，其中，青岛银行、江苏银行、厦门银行跌超2%，中信银行、齐鲁银 行、渝农商行、长沙银行跌近2%。 ...

本基金增加C类基金份额后，将分设A类(基金代码：007201)和C类(基金代码：025138)基金份额，两类 基金份额分别计算和公布基金份额净值及基金份额累计净值。C类基金份额指在投资人申购时不收取申 | 11816888866 | REFORMATION | 联同最后人重会时在线影 | | --- | --- | --- | | 1<7日 | 1 200 | 100% | | Ta7H | 0.000 | - | | 原有 | $311.00 | 和社区 | | 六日 公里 明 | U,本册金含同约定的基金产品管料质装编 同不要是在世在的意见。 【在有试题的年人的目 | 图像图书录 | | | 三日起一年行出到的了 | | | | | 的十九年度的第六章。 有人高金财产中共指的, | | | | 用于本播放中特别。,但是以及要要的观念书 人是务的费用 | | | | 60、A类基金分期:推在投资人申购时收取 | | 第二届分 释义 | | 申勋费用,并不再从本类别基金资产中计提到 | | | | 国联齐贯的基金时制 | | | | 61.C类型变分额:型在投资人申能时不成 都中的是用,但以来说所要多是中国语 ...

"我行3年期存款利率已从1.85%降至1.75%。"8月21日，江苏银行北京市西城区某支行理财经理说。据 了解，近期多家银行宣布调降存款利率，部分期限品种调降了20个基点。在贷款利率整体下行、行业净 息差持续收窄的背景下，下调存款利率已成为银行缓解负债端压力的重要手段。（中证报） ...

Group 1 - Several banks have recently announced reductions in deposit rates, with some term products decreasing by 20 basis points, as a strategy to alleviate pressure on the liability side amid declining loan rates and narrowing net interest margins [1][2] - Jiangsu Bank has lowered its 3-year deposit rate from 1.85% to 1.75%, while other terms remain unchanged at 1.5% for 1-year and 1.6% for 2-year deposits [1] - Other banks, such as Shengzhou Ruifeng Rural Bank, have also adjusted their deposit rates, with rates for various terms reduced by 10 to 20 basis points [1] Group 2 - The banking industry is experiencing significant pressure on net interest margins, with the average net interest margin for commercial banks reported at 1.42% in Q2 2025, a year-on-year decrease of 0.12 percentage points [2] - Analysts suggest that the high proportion of fixed-term deposits in small and medium-sized banks leads to higher interest costs compared to demand deposits, necessitating a reduction in deposit rates to manage liability costs [2] - The recent stability in the Loan Prime Rate (LPR) indicates potential for further declines to stimulate domestic demand and stabilize the real estate market [2] Group 3 - Banks are adopting proactive measures to manage both asset and liability sides, with Changshu Bank emphasizing cost control and optimization of deposit structures to reduce overall interest expenses [3] - Despite facing challenges from competition and regulatory pressures, small and medium-sized banks maintain unique advantages due to their geographical and relational strengths [3]

8月19日，嵊州瑞丰村镇银行发布存款利率公示，该行人民币个人定期存款整存整取三个月、六个月、 一年、二年、三年、五年的年化利率分别调整为0.80%、1.10%、1.15%、1.15%、1.30%、1.30%，较调 整前下降10到20个基点不等。此外，高密惠民村镇银行、贵定恒升村镇银行等银行亦宣布调降部分期限 存款利率。 "我行的三年期定期存款利率，8月20日刚调降10个基点，从1.85%降到了1.75%。"江苏银行北京西城区 某支行理财经理对记者表示。 近期，包括村镇银行、城商行等在内的多家银行，纷纷调降存款利率。 受行业竞争激烈、贷款利率普遍下行等因素影响，银行净息差趋窄。下调存款利率降成本、缓解净息差 压力，成为大多数银行的应对策略。部分银行理财经理透露，未来存款利率仍有调降可能性。 多家银行调降存款利率 "1.85%只有今天！"日前，江苏银行一理财经理发布的朋友圈内容显示，该行三年期定期存款利率将再 次迎来调降。 江苏银行一理财经理8月19日发布的朋友圈 记者实地走访江苏银行北京地区部分网点，江苏银行北京西城区某支行理财经理介绍："除三年期定期 存款利率从原来的1.85%下调至1.75%，降了10个基点 ...

Core Viewpoint - Jiangsu Bank's stock price increased by 1.26% on August 20, 2025, reflecting positive market sentiment and trading activity [1] Group 1: Stock Performance - As of August 20, 2025, Jiangsu Bank's stock price was reported at 11.25 yuan, with a trading volume of 2.1179 million shares and a transaction value of 2.398 billion yuan [1] - The stock opened at 11.07 yuan, reached a high of 11.50 yuan, and a low of 11.07 yuan, resulting in a price fluctuation of 3.87% [1] - The net inflow of main funds on August 20 was 170 million yuan, accounting for 0.08% of the circulating market value [1] Group 2: Banking Operations - Jiangsu Bank is a significant urban commercial bank in Jiangsu Province, primarily engaged in corporate banking, personal banking, and funding operations [1] - The bank has a wide network of branches throughout Jiangsu Province, enhancing its market presence [1] Group 3: Interest Rate Adjustment - Jiangsu Bank announced a reduction in the three-year fixed deposit interest rate by 10 basis points to 1.75%, with a minimum deposit amount of 10,000 yuan, effective from August 20 [1] - The one-year and two-year fixed deposit interest rates remain unchanged, aligning with the trend of several small and medium-sized banks lowering deposit rates [1] - The primary objective of this adjustment is to control liability costs and stabilize net interest margins [1]

| 代码 | 名称 | 主力净流入 (元) | 主力净占比 游资净流入 (元) | | 游资净占比 散户净流入 (元) | | 散户净占比 | | --- | --- | --- | --- | --- | --- | --- | --- | | 600919 江苏银行 | | 1.70 Z | 7.07% | -6735.31万 | -2.81% | -1.02 Z | -4.26% | | 6000000 | 南京银行 | 1.37亿 | 23.69% | -2984.65万 | -5.18% | -1.07 Z | -18.51% | | 601665 | 齐鲁银行 | 7332.09万 | 17.29% | -4974.69万 | -11.73% | -2357.40万 | -5.56% | | 002948 青岛银行 | | 4859.32万 | 24.84% | -938.50万 | -4.80% | -3920.83万 | -20.04% | | 601229 | 上海银行 | 3676.11万 | 7.96% | -920.75万 | -1.99% | -2755.36万 | -5.96% | ...

A股市场银行股普涨，其中，江苏银行、杭州银行、江阴银行、渝农商行涨超2%，中国银行、成都银 行涨近2%。值得注意的是，邮储银行创历史新高。 责任编辑：栎树 | 代码 | 名称 | 涨幅% ↓ | 总市值 | 年初至今涨幅% | | --- | --- | --- | --- | --- | | 600919 | 江苏银行 | 2.61 | 2092亿 | 21.94 | | 600926 | 杭州银行 | 2.32 | 1185亿 | 13.76 | | 002807 | 江阴银行 | 2.04 | 123亿 | 20.15 | | 601077 | 渝农商行 | 2.00 | 752亿 | 14.69 | | 601988 | 中国银行 | 1.98 | 18269亿 | 7.50 | | 601838 | 成都银行 | 1.88 | 783亿 | 13.12 | | 601187 | 厦门银行 | 1.49 | 180亿 | 23.97 | | 002958 | 青农商行 | 1.45 | 194亿 | 18.81 | | 600928 | 西安银行 | 1.30 | 173亿 | 10.36 | | 6 ...

Core Insights - The A-share market saw a broad increase in bank stocks, with notable gains from Jiangsu Bank, Hangzhou Bank, Jiangyin Bank, and Chongqing Rural Commercial Bank, all rising over 2%. Postal Savings Bank reached a historic high [1] Summary by Category Stock Performance - Jiangsu Bank increased by 2.61%, with a total market capitalization of 209.2 billion and a year-to-date increase of 21.94% [2] - Hangzhou Bank rose by 2.32%, with a market cap of 118.5 billion and a year-to-date increase of 13.76% [2] - Jiangyin Bank saw a 2.04% increase, with a market cap of 12.3 billion and a year-to-date increase of 20.15% [2] - Chongqing Rural Commercial Bank grew by 2.00%, with a market cap of 75.2 billion and a year-to-date increase of 14.69% [2] - China Bank increased by 1.98%, with a market cap of 1,826.9 billion and a year-to-date increase of 7.50% [2] - Chengdu Bank rose by 1.88%, with a market cap of 78.3 billion and a year-to-date increase of 13.12% [2] - Other banks such as Xiamen Bank, Qingnong Commercial Bank, and Xi'an Bank also showed positive performance, with increases ranging from 1.30% to 1.49% [2]