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Core Viewpoint - The banking industry is facing ongoing pressure on net interest margins, prompting various strategies to stabilize them, including a competition held by Ruifeng Bank to showcase effective margin control practices [2][3][4]. Group 1: Industry Overview - The net interest margin (NIM) for 42 A-share listed banks shows a downward trend, but the rate of decline is slowing down. There is still room for both deposit and loan rates to decrease, which is crucial for stabilizing margins [2][4]. - Among the listed banks, Changshu Bank, China Merchants Bank, and Changsha Bank have the highest NIMs, while Xiamen Bank has the lowest at 1.08% [2][5]. - In the first half of the year, only three banks—Xi'an Bank, Chongqing Bank, and Qilu Bank—saw an increase in NIM, while several others experienced declines exceeding 20 basis points [2][5]. Group 2: Ruifeng Bank's Initiatives - Ruifeng Bank held a competition on September 6, 2023, to highlight successful cases in margin control, attended by senior management and various department heads [3][4]. - The competition aimed to foster a culture where every employee is engaged in margin management, emphasizing the importance of clear responsibilities and strong execution [4]. Group 3: Financial Performance - Ruifeng Bank reported a NIM of 1.46% for the first half of the year, a decrease of 4 basis points from the previous year. The bank's revenue growth was 3.91%, and net profit growth was 5.59%, ranking third among listed rural commercial banks [4][6]. - The bank's total assets reached 230.07 billion yuan, placing it seventh among listed rural commercial banks [4]. Group 4: Deposit Trends - The trend of increasing the proportion of time deposits continues to exert pressure on NIMs. As of mid-2023, the proportion of demand deposits is highest at China Merchants Bank, which exceeds 50% [7][8]. - Many banks still have high ratios of time deposits, with Chongqing Bank and Yurun Rural Commercial Bank leading at 78.54% and 75.66%, respectively [8]. - The industry is adjusting its liability structure to reduce high-cost time deposits and promote demand deposits, which is seen as a key strategy for stabilizing margins [7][9].