多家中小银行启动“年末收官”谋划明年开局

Core Insights - The fourth quarter is a critical period for banks to achieve year-end business goals, with many small and medium-sized banks adopting a dual strategy of closing out the year while preparing for a strong start in 2026 [1][2] Group 1: Strategy and Operations - Many small and medium-sized banks are shifting their focus from merely meeting year-end targets to simultaneously planning for the next year's performance [2][3] - Banks like Hengnan Rural Commercial Bank and Huai'an Rural Commercial Bank have set clear operational goals for the fourth quarter, emphasizing compliance, collaboration between core and diversified businesses, and risk management [2][3] - The operational focus for the fourth quarter includes increasing loan and deposit growth, reducing non-performing loans, stabilizing provisions, and enhancing revenue [3][4] Group 2: Market Dynamics - The early preparation for the "opening red" campaign by several banks indicates a significant shift in competitive strategy, moving away from traditional high-interest deposit attraction to optimizing deposit structures and low-cost funding [3][4] - The competitive landscape is evolving, with banks needing to adapt to external pressures from larger national banks and internal challenges such as narrowing net interest margins and a scarcity of quality assets [4][5] Group 3: Future Outlook - The overall growth trajectory for small and medium-sized banks in 2026 is expected to stabilize, with a greater emphasis on value creation rather than mere scale expansion [5] - Opportunities for banks are emerging from ongoing policy support, technological advancements, and the rising demand for customized financial services driven by rural revitalization [5]