Group 1 - The average deposit rates for various terms have continued to decline, with the 3-month rate at 0.944%, 6-month at 1.147%, 1-year at 1.277%, 2-year at 1.367%, 3-year at 1.688%, and 5-year at 1.519% as of September 2025 [1][2] - The decline in deposit rates is attributed to ongoing pressure on net interest margins, which have decreased from 1.52% at the end of last year to 1.42% by the end of the second quarter of this year [3] - The phenomenon of inverted yield curves between short-term and long-term deposit rates remains significant, with the 3-year average rate exceeding the 5-year rate [3][4] Group 2 - The average rates for large-denomination certificates of deposit (CDs) have also shown a mixed trend, with the 3-month rate at 1.134%, 6-month at 1.318%, and 1-year at 1.394% [5][6] - The average expected middle yield for structured deposits has decreased to 1.59%, while the average expected maximum yield has increased to 2.09% [6][7] - The average term for structured deposits has increased across different types of banks, with foreign banks showing the longest average term of 405 days [6][7]