银行业“降息潮”再度袭来，亿联银行逆势加息？已调回原利率

Group 1 - The Loan Prime Rate (LPR) experienced its first reduction of the year on May 20, with expectations of a new wave of interest rate cuts across the banking sector [1][2] - Major state-owned banks, including ICBC, Bank of China, and Agricultural Bank of China, lowered their deposit rates, with one-year deposit rates falling below 1% [2][3] - Private banks, such as Sanxiang Bank and Blue Ocean Bank, also announced reductions in deposit rates, indicating a widespread trend in the banking industry [2] Group 2 - Yilian Bank attracted attention for reportedly raising its one-year fixed deposit rate from 1.85% to 2.00% on May 21, although this announcement could not be verified on their official website [3][4] - The bank's official rate for one-year fixed deposits remained at 1.85% as of May 26, suggesting that the reported increase may have been a temporary promotional activity [4][5] - Analysts noted that Yilian Bank's previous adjustments included rate cuts for longer-term deposits, indicating a general trend of declining rates despite short-term promotional increases [5][6] Group 3 - The narrowing of net interest margins for commercial banks was highlighted, with the margin dropping to 1.43% in Q1 2025, down 9 basis points from the previous quarter [3] - Analysts predict a further decline in net interest margins by 10 to 15 basis points for the entire year of 2025 due to the LPR reduction and lower funding costs [3] - The strategy of small and medium-sized banks to raise short-term deposit rates amidst a general decline in rates is seen as a way to attract funds quickly while managing costs [5][6]