在存款利率持续走低趋势下，近日，部分银行逆势上调定期存款利率。中国证券报记者调研获悉，杭州银行、宁波银行、盛京银行等银行上调了部分存款 产品利率。 业内人士认为，年末是传统的揽储旺季，部分银行通过上调存款利率来吸引客户存款。整体来看，上调存款利率是部分银行的阶段性行为，在压降负债成 本的背景下，未来存款利率仍存在下调空间。 部分银行上调存款利率 "我行存款利率上调了，20万元起的新资金3年期定存利率为1.9%，20万元起的非新资金3年期定存利率为1.8%；5万元起的3年期定存利率为1.75%，5万元 起的2年期定存利率为1.6%，5万元起的1年期定存利率为1.5%。"杭州银行北京东城区一支行客户经理告诉记者。 与杭州银行类似，宁波银行、盛京银行也于近日上调了部分存款产品利率。宁波银行北京朝阳区一支行客户经理表示，客户存入20万元以上的新资金，1 年期定存利率最高可上浮至1.6%，此前1年期定存利率最高为1.5%；客户存入5万元以上的新资金，3年期定存利率最高可上浮至1.85%，此前3年期定存利 率最高为1.55%。 盛京银行沈阳市某支行客户经理告诉记者，该行于12月1日推出特色享存存款产品，利率较此前的定存利 ...

Core Viewpoint - Some banks are raising fixed deposit rates despite a general trend of declining deposit rates, aiming to attract customer deposits during the traditional year-end savings season [1][4]. Group 1: Deposit Rate Adjustments - Hangzhou Bank has increased its 3-year fixed deposit rate for new funds of 200,000 yuan to 1.9%, up by 10 basis points from the previous rate [2][3]. - Ningbo Bank has raised its 1-year fixed deposit rate for new funds of 200,000 yuan to a maximum of 1.6%, previously 1.5%, and for 3-year fixed deposits of 50,000 yuan to a maximum of 1.85%, previously 1.55% [3]. - Shengjing Bank has introduced a new deposit product with rates of 1.65%, 1.75%, and 1.85% for 1-year, 2-year, and 3-year terms respectively, with a minimum deposit of 10,000 yuan [3]. Group 2: Market Dynamics and Future Outlook - The increase in deposit rates by some banks is seen as a temporary measure to attract deposits, particularly among smaller regional banks facing more significant pressure to gather funds [4]. - Major state-owned banks are simultaneously reducing high-cost long-term deposits, with some banks discontinuing 5-year large certificates of deposit [5]. - Analysts suggest that banks may continue to lower deposit rates to manage funding costs and stabilize net interest margins, indicating a potential downward trend in deposit rates moving forward [5][6].

Core Viewpoint - Blue Ocean Bank has marked all its deposit products as "sold out" during the year-end deposit gathering season, which is an unusual move that has attracted market attention [1][8]. Summary by Sections Deposit Products Status - All deposit products, including various term deposits such as 7-day notice deposits and 3-month, 6-month fixed deposits, are currently showing a "sold out" status on Blue Ocean Bank's mobile banking app [1][3]. - The bank's signature deposit product, "Blue Baby," which offers terms ranging from 3 months to 5 years, is also marked as "sold out" [3]. Interest Rates and Adjustments - The interest rates for the "Blue Baby" products are as follows: 1.35% for 3-month, 1.45% for 6-month, 1.65% for 1-year, 1.85% for 2-year, and 2.00% for 3-year deposits [4]. - Blue Ocean Bank has frequently lowered its deposit rates, with eight rate cuts in the first half of the year alone. For instance, on November 1, the bank announced a rate adjustment for several products, reducing rates to 1.25% [6]. Financial Performance - Blue Ocean Bank is facing a dual challenge of declining revenue and net profit, with reported figures showing a revenue of 1.452 billion yuan, down 39.42% year-on-year, and a net profit of 415 million yuan, down 47.86% [8]. - The bank's net interest margin has decreased to 2.35%, a drop of 1.99 percentage points compared to the previous year [8]. Industry Trends - The move by Blue Ocean Bank is not isolated; several other small and private banks are also withdrawing medium- to long-term deposit products, indicating a broader trend in the banking sector [9][10]. - Analysts suggest that the withdrawal of these products is a response to the pressure on net interest margins and the need to control high-cost liabilities in a challenging economic environment [10].

Core Viewpoint - Blue Ocean Bank has marked all its deposit products as "sold out" during the year-end deposit gathering season, a rare occurrence in the industry [1][9]. Group 1: Deposit Products Status - All deposit products of Blue Ocean Bank, including various term deposits, are currently showing as "sold out" on their mobile banking app [1][3]. - The bank's customer service confirmed that the subscription quotas for term deposits have been full for several months, particularly for 3-year and 5-year deposits [3][4]. - A specific product named "Blue Baby," which offers terms from 3 months to 2 years, also shows as "sold out" despite being highlighted for potential availability [4]. Group 2: Interest Rate Adjustments - Blue Ocean Bank has frequently lowered its deposit interest rates, with eight rate cuts occurring in the first half of the year alone [7]. - Recent adjustments have seen rates for certain products drop significantly, such as the "Blue Baby B7 Days" product, which was reduced from 2.4% to 2.2% [7]. Group 3: Market Context and Implications - The unusual "sold out" status of deposit products is interpreted as a strategy to reduce high-cost liabilities rather than a response to increased deposit demand [9][10]. - The bank is facing challenges with declining revenue and net profit, with reported figures showing a 39.42% decrease in revenue and a 47.86% drop in net profit year-on-year [9]. - The net interest margin has also decreased to 2.35%, down 1.99 percentage points from the previous year, indicating pressure on profitability [9]. Group 4: Industry Trends - Other small and medium-sized banks are also withdrawing long-term deposit products, reflecting a broader trend in the banking sector [10][11]. - Analysts suggest that the high interest rates on long-term deposits are unsustainable in the current economic environment, leading banks to pause deposit gathering to manage costs [11].

Core Viewpoint - The announcement from Meizhou Commercial Bank indicates a trend among banks to discontinue five-year fixed deposit products due to policy adjustments and to manage funding costs in response to narrowing net interest margins [1][6]. Group 1: Bank Actions - Several small and medium-sized banks have begun to remove long-term deposit products, particularly five-year fixed deposits, from their offerings [2][5]. - Meizhou Commercial Bank has specifically stated that it will no longer provide automatic renewal services for five-year deposits, requiring customers to manually manage their funds upon maturity [1]. - Other banks, such as Anhui Xin'an Bank, have also confirmed the absence of five-year fixed deposits, with the longest available term being three years [2]. Group 2: Interest Rate Trends - There is a noticeable decline in interest rates for fixed deposits, with many banks offering lower rates than previously available; for instance, the highest rate for a five-year deposit has dropped from 4% to 1.80% [2][3]. - Some banks are experiencing an inverted interest rate scenario, where the interest rate for three-year deposits exceeds that of five-year deposits, as seen with Liaoning Zhenxing Bank [2][5]. Group 3: Industry Context - The overall strategy of banks to reduce funding costs is primarily driven by the pressure of narrowing net interest margins, prompting them to adjust their deposit product offerings [6]. - High-level executives from various banks have indicated a commitment to reducing high-cost deposits and adjusting the issuance plans for large-denomination certificates of deposit and fixed-term deposits [6].

Core Viewpoint - Recent adjustments in fixed deposit products by banks, particularly the cancellation of five-year fixed deposits by certain banks, highlight a broader trend of declining deposit rates among small and medium-sized banks in response to net interest margin pressures [1][3][5]. Group 1: Deposit Rate Adjustments - Tuo Yuqi Mengyin Village Bank and Kundu Lun Mengyin Village Bank have announced the cancellation of five-year fixed deposit options, marking them as the first commercial banks to do so [1]. - The adjusted interest rates for various deposit products show a downward trend, with three-month, six-month, one-year, two-year, and three-year rates decreasing by 5 to 10 basis points [2][3]. - Other banks, such as Hainan Baoting Rongxing Village Bank, have also reduced their one-year, two-year, three-year, and five-year fixed deposit rates by up to 65 basis points [3]. Group 2: Market Trends and Implications - The trend of lowering deposit rates is not isolated, as numerous small and medium-sized banks have followed suit, with some products seeing reductions exceeding 60 basis points [3]. - A notable "term inversion" phenomenon is occurring, where long-term deposit rates are lower than short-term rates, indicating banks' reluctance to accept higher-cost long-term liabilities [5][7]. - Major banks, including state-owned and national joint-stock banks, are also experiencing similar trends, with three-year fixed deposit rates often exceeding five-year rates [7]. Group 3: Strategic Responses - Banks are adjusting their strategies to manage net interest margin pressures by reducing long-term deposit offerings and focusing on optimizing their liability structures [5][7]. - The banking sector is also exploring non-interest income sources, such as wealth management and custody services, to stabilize revenue and profits [7][8]. - The shift in deposit rates and the need for banks to adapt to a low-interest environment may prompt investors to consider alternative investment products, such as government bonds and low-risk bank wealth management products [8].

Core Viewpoint - Recent adjustments in fixed deposit rates by banks, particularly the cancellation of five-year fixed deposits by certain banks, reflect a broader trend among small and medium-sized banks to lower deposit rates in response to pressure on net interest margins [1][5]. Summary by Sections Deposit Rate Adjustments - The announcement from Tuyaqi Mengyin Village Bank and Kundu Lun Mengyin Village Bank indicates the cancellation of five-year fixed deposit options, marking them as the first commercial banks to do so [1]. - A table shows the adjusted rates for various deposit products, with significant reductions in rates for terms of three years and above [2]. Broader Market Trends - Over the past month, numerous small and medium-sized banks have followed suit in lowering deposit rates, with some products seeing declines exceeding 60 basis points [2]. - For instance, Hainan Baoting Rongxing Village Bank has reduced its one-year, two-year, three-year, and five-year fixed deposit rates by 65, 55, 20, and 15 basis points respectively [3]. Interest Rate Pressure - The banking sector is experiencing significant pressure on net interest margins, with the average net interest margin for commercial banks reported at 1.42%, a decrease of 1 basis point from the previous quarter [5]. - There is a notable "term inversion" phenomenon where long-term deposit rates are lower than short-term rates, indicating a reluctance among banks to accept higher-cost long-term liabilities [5]. Strategic Responses - Banks are actively adjusting their liability structures by lowering rates or reducing the supply of long-term products to manage costs [7]. - The trend of eliminating long-term high-cost liabilities has extended to large banks, with many no longer offering five-year large deposits [7]. Future Outlook - Analysts suggest that while interest income for commercial banks will continue to face pressure, the downward trend may ease due to several factors, including improved loan pricing and a better-performing capital market [8]. - The shift in deposit rates may prompt investors to diversify their portfolios towards lower-risk investment products, adapting to the changing financial landscape [8].

Core Viewpoint - The recent decision by a village bank in Inner Mongolia to discontinue five-year fixed-term deposits reflects a broader trend in the banking industry aimed at reducing liability costs through lower deposit rates and the removal of high-cost deposit products [1][2][3] Summary by Sections Deposit Products - A village bank in Inner Mongolia announced the cancellation of five-year fixed-term deposits effective November 5, 2025, while still offering shorter-term deposits with rates of 1.10%, 1.30%, 1.45%, 1.55%, and 1.85% for three months, six months, one year, two years, and three years respectively [1] - Many banks continue to offer five-year fixed-term deposits, but some have stopped offering high-value certificates of deposit, indicating a unique situation in the market [1][2] Interest Rates and Trends - The five-year fixed-term deposit rate at Industrial and Commercial Bank of China is 1.3%, which is lower than the three-year rate of 1.55% [2] - China Postal Savings Bank's researcher suggests that banks are reducing long-term liabilities to lower costs due to uncertain interest rate trends [2] Net Interest Margin - The overall net interest margin for banks is under pressure, with a reported decline to 1.42% in Q2 2025, down 0.01 percentage points from Q1 [2][3] - Many banks have adjusted deposit rates downward, with state-owned and joint-stock banks' rates falling below 2% [2] Strategic Responses - Analysts indicate that banks are collectively choosing to lower deposit rates and reduce liability costs as a strategy to stabilize net interest margins [3] - Future strategies may include further reductions in deposit rates and minimizing implicit costs associated with deposits [3][4] Market Outlook - Some listed banks are showing signs of marginal improvement in net interest margins, with expectations that the decline in margins will stabilize, potentially leading to positive growth in net interest income by 2026 [4]

Core Viewpoint - The small and medium-sized banks, previously known for high deposit rates, are losing their rate advantage due to significant reductions in deposit rates in the first half of the year [1][2][6] Summary by Relevant Sections Deposit Rate Reductions - Over half of the private banks have announced reductions in deposit rates in the first half of the year, with some banks reducing rates up to five times within six months [1][3] - The national banks have also participated in a "rate cut wave," with the one-year, two-year, three-year, and five-year deposit rates adjusted to 0.95%, 1.05%, 1.25%, and 1.30% respectively [2] - The phenomenon of "storing for 5 years is worse than storing for 1 year" has become common, with some village banks' adjusted rates falling below those of state-owned banks [2][8] High-Interest Deposit Products - There is a noticeable decline in the availability of high-interest deposit products, with many customers expressing disappointment but also a sense of resignation to the situation [4][5] - Some banks have begun to "withdraw" high-interest deposits and related products, with customers reporting that rates have dropped significantly [4][5] Financial Pressure on Banks - The significant and frequent reductions in deposit rates by small and medium-sized banks are attributed to pressure on their liabilities, as they have been heavily reliant on interest income [6][7] - Data shows a clear downward trend in net interest margins for private banks, with some banks experiencing a drop of up to 199 basis points [6] - The situation has led to cases where revenue growth does not translate into profit growth, with some banks reporting a decline in net profits despite revenue increases [6] Strategic Adjustments - Small and medium-sized banks are optimizing their deposit structures and reducing deposit rates as a mainstream method to lower funding costs [8] - Strategies include replacing high-cost deposits with lower-cost alternatives and encouraging customers to shift from long-term to short-term deposits [8]