在净息差持续收窄、资产端收益趋于下行的双重背景下，如何降本增效是绕不开的高频问题。近期，多家 上市银行召开第三季度业绩说明会，正面回应了这一话题。 对于未来存款付息率的下降趋势，上海银行相关高管认为，未来随着存量业务到期重定价、差别化定价策略的 深入推进以及存款期限结构的转化、低成本存款拓展，存款付息率将保持稳步下降趋势。 负债端：压降高息存款产品 随着央行阶梯式降息落地，存款利率持续突破历史新低，商业银行长期限存款产品正在经历利率倒挂、产品下 架的阶段。 近期不少中小银行主动下架了5年期定存产品，这是商业银行在净息差压力下，主动清理高成本存款的选择。 总结而言，A股上市银行纷纷通过负债成本管控、运营费用优化、数字化生态整合三大维度，向内挖掘利润空 间。 运营端：精细化管理"抠出"利润 记者观察到，今年以来商业银行不仅对高成本存款进行压降，高管们还喊出了"勤俭节约"的经营理念，从运营 成本 "抠利润"；此外银行还纷纷对旗下APP矩阵进行"瘦身"整合，使得运维资源更为集中。 因为负债端成本管控到位，确实可以大幅降低银行利息支出的压力。 Wind统计数据显示，A股42家上市银行前三季度的利息支出是3.43万亿元， ...

Core Viewpoint - The banking industry is focusing on cost reduction and efficiency improvement in response to narrowing net interest margins and declining asset yields, with strategies including managing high-cost deposits, optimizing operational expenses, and integrating digital ecosystems [1] Group 1: Cost Management Strategies - Commercial banks are actively reducing high-cost deposits as a response to the central bank's interest rate cuts, leading to historically low deposit rates and the withdrawal of long-term deposit products [2][3] - Effective management of liability costs can significantly alleviate interest expense pressures for banks, with 42 listed banks reporting a total interest expense of 3.43 trillion yuan in the first three quarters, an 11.36% decrease year-on-year [4] - Banks like Chongqing Bank are implementing strategies to clean up high-cost deposits and adjust deposit product structures to further lower overall liability costs [4] Group 2: Operational Cost Optimization - In a context of sluggish revenue growth, banks are adopting frugality in operations, with half of the listed banks reporting a decrease in their cost-to-income ratios compared to the previous year [5] - Among the 42 listed banks, 17 reported negative growth in business and management expenses, while those with positive growth kept it within 0% to 3% [5] - Postal Savings Bank reported a 2.66% decrease in business and management expenses, attributing this to enhanced cost management and accelerated digital transformation [6] Group 3: Digital Integration and Streamlining - Banks are engaging in a "declutter" initiative, closing down independent apps and consolidating functions into main banking apps to improve efficiency and reduce operational costs [8][9] - The trend includes shutting down independent credit card apps and merging their functions into main banking applications, reflecting a shift from vertical management to localized operations [9]