净息差排行榜出炉！常熟银行遥遥领先，上海银行、厦门银行垫底｜探寻中报②

Core Insights - In the first half of 2025, Changshu Bank achieved the highest net interest margin (NIM) among 42 A-share listed banks at 2.58%, being the only bank with a NIM exceeding 2% [1] - The bottom three banks in terms of NIM were Zijin Bank (1.18%), Shanghai Bank (1.15%), and Xiamen Bank (1.08%), indicating a significant decline in their interest margins [1] - Xiamen Bank attributed its NIM decline to factors such as falling market interest rates and the average loan interest rate decrease due to concentrated repricing at the beginning of the year [1] - Only two banks, Xi'an Bank and Minsheng Bank, reported positive growth in NIM, with Xi'an Bank leading at +0.49 percentage points [1] Financial Performance - Xi'an Bank reported a net interest income of 3.898 billion yuan, a year-on-year increase of 59.92%, with interest income rising by 14.25% to 8.752 billion yuan and interest expenses decreasing by 7.07% to 4.854 billion yuan [2] - Guizhou Bank and Zijin Bank experienced the largest declines in NIM, ranking at the bottom of the 42 A-share listed banks [2]