Bank of RuiFeng(SH:601528) 第一财经·2025-09-08 02:06Core Viewpoint - The banking industry is facing ongoing pressure on net interest margins, prompting various strategies to stabilize these margins, including a recent competition held by Ruifeng Bank to showcase effective margin management practices [2][4][5]. Group 1: Net Interest Margin Trends - In the first half of the year, the net interest margin (NIM) of 42 A-share listed banks showed a downward trend, but the rate of decline has started to narrow [2][8]. - The top three banks in terms of NIM were Changshu Bank, China Merchants Bank, and Changsha Bank, while Xiamen Bank had the lowest NIM at 1.08% [2][7]. - Only three banks, namely Xi'an Bank, Chongqing Bank, and Qilu Bank, experienced an increase in NIM, with Xi'an Bank's NIM rising significantly by 34 basis points compared to the previous year [7][8]. Group 2: Ruifeng Bank's Margin Management Competition - Ruifeng Bank held a competition on September 6, 2023, to showcase best practices in NIM management, attended by senior leadership and various department heads [4][5]. - The competition aimed to emphasize the importance of NIM management across all levels of the organization, fostering a culture where every employee contributes to NIM performance [5][6]. Group 3: Deposit Structure and Trends - The trend of increasing the proportion of time deposits continues, with 30 banks reporting a rise in time deposit ratios compared to the end of the previous year [10][11]. - Ruifeng Bank and several others saw their time deposit ratios increase by over 5 percentage points, while banks like Xi'an Bank and Huaxia Bank experienced significant declines in their time deposit ratios [11]. - The shift towards more liquid deposits is seen as a critical strategy to alleviate pressure on NIM, with banks like China Merchants Bank leading in the proportion of demand deposits [10][11].