Following the six major commercial banks such as the Industrial and Commercial Bank of China, the Agricultural Bank of China, the Bank of China, the Construction Bank, the Bank of Communications, and the Postal Savings Bank, a number of national joint-stock banks announced that they will reduce the listed interest rate of RMB deposits from today (25th).
The banks that have lowered the listed interest rate of RMB deposits from today include: China CITIC Bank, Ping An Bank, China Everbright Bank, Minsheng Bank, Guangfa Bank, Shanghai Pudong Development Bank, Zheshang Bank, Industrial Bank, Hengfeng Bank, Huaxia Bank, Bohai Bank, plus China Merchants Bank, which has been lowered before, and 12 national joint-stock banks have all lowered the listed interest rates of RMB deposits.
Due to the differences in deposit pricing strategies and asset-liability management of each bank, the magnitude of this interest rate adjustment is also slightly different. Most joint-stock banks have reduced their interest rates by 10 basis points on one-year time deposits, 20 basis points on two-year time deposits, and 25 basis points on three- and five-year time deposits.
After the reduction, the listed interest rate of the one-year lump sum deposit and fixed deposit of many joint-stock banks is 165%, compared to 1The 45% rate is 20 basis points higher;The two-year fixed deposit interest rate of the four joint-stock banks of Ping An, Zheshang, Bohai and Hengfeng is 190%, slightly higher than other joint-stock banks, 165% interest rate 25 basis points higher;The interest rates of three-year and five-year time deposits are generally higher than those of the six major commercial banks among joint-stock banks.
On December 22 and 23, the Industrial and Commercial Bank of China, the Agricultural Bank of China, the Bank of China, the China Construction Bank, the Bank of Communications, the Postal Savings Bank and the China Merchants Bank successively lowered the listed interest rates on RMB deposits.
Prior to this, in June and September this year, the six major commercial banks and 12 national joint-stock banks lowered their RMB deposit interest rates twice, and since the beginning of this year, major commercial banks have lowered their RMB deposit interest rates three times.
In the previous three cuts, the six major commercial banks were the first to adjust, the joint-stock banks subsequently adjusted, and other banks followed suit. It is understood that at present, the latest round of cuts in the listed interest rate of RMB deposits, major urban commercial banks, rural commercial banks, credit cooperatives and other small and medium-sized financial institutions have not yet begun to follow up.
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Editor: Yang Rong.
Editor: Wu Chenping.
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