Bei Jing Shang Bao·2026-03-30 11:41Core Viewpoint - China Bank is focusing on retaining deposits as the maturity of fixed-term deposits increases in the second half of 2025, with a high proportion expected to be reinvested in fixed-term deposits [1] Group 1: Deposit Management - From the second half of 2025, the maturity scale of fixed-term deposits at China Bank is expected to increase, prompting the bank to enhance its retention strategies [1] - A significant portion of the matured deposits is anticipated to remain in deposit form, with a high reinvestment rate for fixed-term deposits [1] Group 2: Interest Rate Impact - The current deposit interest rates are lower than those from three years ago, which will lead to a decrease in the interest rates paid on deposits, positively impacting the bank's net interest margin stability [1] - The overall trend indicates that funds will continue to concentrate towards individuals and non-bank institutions [1]