Group 1 - The core viewpoint of the articles highlights that banks are facing increasing pressure on net interest margins due to declining market interest rates, prompting them to seek new revenue channels through the introduction of service fees [1][15][16] - Recently, Wuhai Bank announced that it will start charging fees for credit services and syndicated loan services effective June 13, 2025, as part of its strategy to enhance revenue [3][5] - Other banks, such as Suzhou Bank, have also introduced new service fees, including an annual fee for their credit card services, indicating a broader trend among banks to adjust their fee structures in response to revenue pressures [8][11] Group 2 - Wuhai Bank's new fee structure includes charges for personal deposit certificates at 20 yuan per certificate and corporate credit certificates at 200 yuan per certificate, with exemptions for small and micro enterprises [6][5] - The bank's syndicated loan services will have various fees, including arrangement fees, commitment fees, and agency fees, all charged according to agreements with corporate clients [6][4] - Suzhou Bank has introduced an annual fee of 588 yuan for its platinum credit card and has also adjusted fees for third-party cooperation services related to credit cards, effective from September 2025 [8][10] Group 3 - The overall banking sector is experiencing a decline in revenue growth, with major state-owned banks reporting varying degrees of revenue decline in the first quarter of the year, highlighting the need for banks to diversify income sources [17][18] - The net interest margin for commercial banks has narrowed to 1.43% in the first quarter, a decrease of 9 basis points from the previous quarter, further emphasizing the urgency for banks to enhance non-interest income through service fees [18][19] - Analysts suggest that the introduction of new service fees can be an effective means for banks to increase their intermediary business income and improve overall revenue performance [18]