手里有100万，打算放3年不动，很多人第一反应就是存3年定期存款。可除了这个，还有没有别的存钱法子呢？答案当然是有的，下面就给大家唠唠。 为啥大家不愿意把钱放家里呢？其实道理很简单，现金放家里风险太大啦。万一家里进小偷，钱被偷走了，那可就血本无归；要是家里闹虫鼠蚁，钱被啃得 破破烂烂，也没法用；要是碰上洪水、地震这些天灾，钱说不定就被冲走或者埋在废墟里，找都找不回来。所以为了资金安全，很多人都会把钱交给银行打 理。 要是手里有100万闲置3年，除了3年定期存款，还有啥选择呢？ 要是你的钱不一定能闲置满3年，中间可能会提前取出来用，那存短期定期存款，到期再转存也是个办法。有些人担心，辛辛苦苦存了很久，结果提前支 取，利息损失一大笔，多心疼啊。存短期定期存款，到期转存，虽然利率可能没3年定期那么高，但能保证到期拿到满期的利息，说不定反而更划算。 还有一种办法，叫分割加组合。一种存钱方式，往往有优点也有缺点。要是只用一种方式打理大笔资金，优点缺点都会被放大。就好比活期存款，流动性 好，随时能取，可要是把100万全存成活期，利息少得可怜，想想都亏。 所以要是你有100万能闲置3年，不妨根据实际情况把资金分割一下。要是 ...

从2024年开始，国内存款利率就进入到快速下跌的通道之中。以3年期定期存款为例，之前的利率是3.05%，现在只有1.8%，跌幅超过40%。为此，很多网友 担心，照这样跌下去，银行存款利率是否会跌到0利率？毕竟现在很多欧洲国家都实行了"零利率"。 实际上，欧洲国家实行的"零利率"只是挂牌利率，而这些国家的银行实际存款利率大概在0.1%到0.5%之间。主要原因是，欧洲很多国家的经济长期处于低 增长周期。同时，物价始终保持较低水平。于是欧洲国家的央行希望居民把钱拿出来消费和投资。所以，很多欧洲国家就采用了"零利率"或"低利率"政策。 而中国的国情与这些欧洲发达国家并不一样。所以，即使现在国内存款利率出现暴跌，但将来出现零利率的可能并不大。所以，储户们也不用为此过于担 心，主要有以下几个原因： 第一，宏观经济不可能出现"零利率" 近些年，中国经济总体表现强劲。今年一季度GDP增速5.4%，这在全球主要经济体中也是"名列前茅"。显然，在国内经济表现不错的情况下，出现存款"零 利率"的可能性很小。此外，中国的M2（广义货币供应量）超过了300万亿，M2是GDP的2倍。而在货币超发之下，通货膨胀周期随时可能到来。所以，中 ...

May was a stable month for Bigbank – both the loan and deposit portfolios grew at a steady pace, and profitability remained at a solid level. The loan portfolio increased by a total of 43 million euros in May. The largest contributions came from business loans and home loans, which grew by 22 million and 15 million euros, respectively. The consumer loan portfolio grew by 6 million euros. The deposit portfolio grew by a total of 26 million euros in May. In a declining interest rate environment, the savings d ...

Kaspi.kz (KSPI) Q1 2025 Earnings Call May 12, 2025 08:00 AM ET Company Participants David Ferguson - MD & Head of Investor RelationsMikheil Lomtadze - Chairman of the Management Board , CEO & DirectorYgal Arounian - Director - Internet Equity ResearchDarrin Peller - Managing DirectorReggie Smith - Executive Director - Equity Research Conference Call Participants Jamie Friedman - Senior FinTech and IT Services Research AnalystNone - AnalystGabor Kemeny - Senior Analyst Operator Hello, and welcome, everyone, ...

Kaspi.kz (KSPI) Q1 2025 Earnings Call May 12, 2025 08:00 AM ET Company Participants David Ferguson - MD & Head of Investor RelationsMikheil Lomtadze - Chairman of the Management Board , CEO & DirectorYgal Arounian - Director - Internet Equity ResearchDarrin Peller - Managing DirectorReggie Smith - Executive Director - Equity Research Conference Call Participants Jamie Friedman - Senior FinTech and IT Services Research AnalystNone - AnalystGabor Kemeny - Senior Analyst Operator Hello, and welcome, everyone, ...

Kaspi.kz (KSPI) Q1 2025 Earnings Call May 12, 2025 08:00 AM ET Speaker0 Hello, and welcome, everyone, to the Kaspi KZ First Quarter twenty twenty five Financial Results. I will now hand you over to David Ferguson, Head of Investor Relations at Cassidy Cape Verde to begin. David, please go ahead. Speaker1 Great. Thank you, Maxine. Good afternoon, good morning to everyone. Thanks a lot for joining us for our first quarter twenty twenty five financial results. I'm David Ferguson. I'm joined, as usual, by Mikha ...

1Q 2025 Results Kaspi.kz Consumer Super App Kaspi Pay Merchant Super App 12 May, 2025 1 Disclaimer Cautionary Note Regarding Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the U.S. federal securities laws, which statements relate to our current expectations and views of future events. In some cases, these forward-looking statements can be identified by words or phrases such as "believe," "may," "might," "will," "expect," "estimate," "could," "should," ...