建设银行生柳荣：有信心2026年净息差降幅进一步收窄

Core Viewpoint - The CFO of China Construction Bank expressed confidence that the decline in NIM (Net Interest Margin) will further narrow in 2026, maintaining a leading advantage compared to peers [1] Group 1: NIM Performance - The decline in NIM for 2025 is attributed to three main factors: the gradual completion of repricing of existing loans, which alleviates pressure on loan yield [1] - The concentration of high-interest time deposits maturing has led to a significant decrease in the interest rates of general deposits [1] - A proactive asset-liability management strategy has mitigated the negative impact of declining loan yields on NIM through structural optimization [1]