Core Insights - The banking sector in China is facing a critical situation as the net interest margin (NIM) has fallen to 1.43%, below the non-performing loan (NPL) ratio of 1.51%, indicating a potential challenge in covering operational, credit, and capital costs [2][3] - The average NIM for Chinese banks has dropped below the regulatory warning line of 1.8%, with the current figure at 1.74% as of Q1 2023, marking a significant decline [2][3] - Despite the declining NIM, banks are still generating reasonable profits compared to other sectors, primarily through asset growth, which increased by 7.2% year-on-year in Q1 2023, although this is a slowdown from the previous year's 11.7% growth [3][4] Financial Performance - The projected net profit for commercial banks in 2024 is 23,235 billion yuan, a decrease of 540 billion yuan or 2.27% from 2023, which had a profit growth rate of 3.23% [3][4] - The average price-to-book (P/B) ratio for A-share listed banks is currently at 0.58, indicating limited capacity for external capital replenishment through common stock issuance [4][5] - Investment income for many banks has seen significant growth, with 37 out of 42 listed banks reporting positive investment income growth, and five small banks achieving over 100% year-on-year growth [5][6] Strategic Adjustments - In response to the narrowing NIM, banks are adjusting their business strategies by increasing fees for various services, such as credit services and ATM withdrawals [4][5] - The bond market has been favorable, with banks increasing their bond investments, leading to substantial investment income growth; for instance,招商银行 reported a 34.74% increase in investment income for 2024 [4][5] - The revitalization of the capital market is crucial for small banks to raise capital through listings, which would also enhance their intermediary business income [5][6]

据媒体披露，仅2025年上半年，已有超过10家银行，包括苏州银行（002966）、乌海银行、庐江银行等 新增或上调了服务收费，涉及账户管理、跨行取现、信用卡工本费、银行卡年费等数十项中间业务收 费。 此次银行新增或调增中间业务收费，是继存款利率降息潮之后掀起的又一轮"增收"举措。由于涉及数千 万企业及亿万民众的切身利益，这一调整引发了社会各界的广泛关注和热议，舆论反应不一。部分企业 和民众甚至直言难以承受相关费用上涨。 二是平衡银行自身稳健经营与社会影响的关系，防止出现银行经营业绩持续向好而社会负面影响不断加 深的现象，确保银行始终处理好经济效益与社会效益的关系，牢记自身使命，最大限度降低服务收费调 整带来的社会负面影响； 三是平衡自身经营目标与社会责任履行的关系，杜绝不顾客观条件唯利是图的行为，始终将促进经济发 展、降低企业融资成本和减轻消费者负担放在重要位置，与实体企业和消费者同舟共济，实现多方共 赢； 四是平衡银行经营模式与中国经济实际的关系，避免脱离中国金融现状盲目照搬西方银行模式，引导银 行立足中国金融经济现实，在拓展信贷资源、加快业务转型、推进集约化经营中把握更多盈利机遇； 银行为何新增或调高服务 ...

近期， 多家银行调整服务收费，服务项目涉及资信证明、银行卡年费、ATM跨行取现、跨境理财通等 多个领域 ，引发市场广泛关注。 乌海银行官微公告显示， 自6月13日起对资信业务和银团贷款业务进行收费 。资信业务涉及个人客户和 对公客户，为个人客户开立个人存款证明收费标准为20元/份；为存款人出具单位资信证明收费标准为 200元/份。 | 收费项目 | | 服务内容 | 收费标准 | 收费依 | 适用客 | | --- | --- | --- | --- | --- | --- | | | | | | 据 | 户 | | 个人存款证明 | | 为个人客户提供开立个人存款 | 20 元/份 | 市场调 | 个人客 | | | | 证明服务 | | 节价 | 户 | | 单位资信证明 | | 为存款人出具资信证明 | 200 元/份 | 市场调 | 对公客 | | | | | | 节价 | 日 | | | | 发起组织银团、承担包销或部分 | 按协议约 | 市场调 | 对公客 | | 安排费 | | 包销责任、分销银团贷款份额、 | 定收取 | 节价 | 户 | | | | 提供银团贷款的组织安排等 | | | | ...

Core Viewpoint - Several banks are adjusting or introducing new service fees to enhance their non-interest income amid narrowing net interest margins [1][3][4] Group 1: Fee Adjustments - Multiple banks, including Wuhai Bank and Zhejiang Chouzhou Commercial Bank, have announced new service fees for various services starting in 2025, such as credit verification and account management fees [1][2] - Suzhou Bank will introduce an annual fee for its "Zunxing Card," with different fees for gold and platinum cards, effective from September 10, 2025 [1] Group 2: Reasons for Fee Adjustments - The primary reason for these fee adjustments is to increase non-interest income due to the pressure on revenue from narrowing net interest margins [3] - Banks incur costs for providing services, and charging fees can help cover these costs while guiding customers to use services more judiciously [3] - There is an incentive for banks to improve service quality and customer experience, as they will be more focused on enhancing their professional capabilities and added value [3] Group 3: Strategies for Increasing Non-Interest Income - Banks are expanding their service offerings beyond traditional lending to include payment settlement, wealth management, and cross-border financial services, which requires obtaining relevant licenses and building professional teams [3][4] - Increasing customer loyalty through bundled service offerings and personalized service based on customer profiles is essential to prevent customer attrition due to service fees [4] - Banks are encouraged to innovate and upgrade their product offerings to meet new market demands and avoid price wars, ensuring they remain competitive [4]