17家上市银行四季度以来获308家机构调研

Core Viewpoint - The research interest in A-share listed banks is increasing as the year-end approaches, with a focus on city commercial banks and rural commercial banks, particularly in the Jiangsu, Zhejiang, and Shanghai regions [1][2] Group 1: Research Activity - As of December 11, 17 listed banks have been surveyed by 308 institutions, totaling 312 surveys since the beginning of the fourth quarter [1] - Hangzhou Bank has the highest number of research institutions at 46, followed closely by Ningbo Bank with 45 and Hu Nong Bank with 34 [2] - Ningbo Bank has been surveyed 49 times, significantly more than its peers, while Hangzhou Bank, Hu Nong Bank, and Qingdao Bank have all exceeded 30 surveys [2] Group 2: Key Focus Areas - The main topics of interest for institutions include the trends in net interest margin (NIM) and asset quality [4] - Institutions are particularly focused on banks' strategies for managing liability costs and optimizing interest-earning asset structures [4] - Many banks have reported signs of stabilization in NIM, with optimistic expectations for future trends [4] Group 3: Performance Insights - Hangzhou Bank expects its NIM to decline at a slower rate due to effective management of liability costs, with recent data showing stabilization in NIM from the second to the third quarter [4] - Suzhou Bank has reported a smaller decline in NIM compared to the industry average, supporting growth in net interest income [4] - Several banks, including Ningbo Bank and Jiangsu Bank, anticipate maintaining stable asset quality, with proactive measures to manage risks and optimize credit allocation [6]