The pace of deposit rate cuts for small and medium-sized banks accelerates

NightAirdropper · 2026-04-07T04:46:10+00:00

Recently, several city commercial banks and rural commercial banks have lowered deposit interest rates, covering both fixed and notice deposits, with adjustments ranging from a few to several dozen basis points, and the adjustment speed has accelerated. The deposit cost rate for small and medium-sized banks has been decreasing year by year, with net interest margins stabilizing. In the future, deposit interest rates may continue to see slight adjustments, and overall interest rate levels are gradually declining.

NightAirdropper

2026-04-07 04:46:10

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Daily Economic News AI Express. Since April, multiple city commercial banks and rural commercial banks have been adjusting and lowering deposit interest rates in quick succession. Specifically, the adjustments cover mainstream products such as time deposits and notice deposits; the rate cut ranges from several to dozens of basis points, and the pace of the cuts has become noticeably faster. In recent years, the deposit cost ratio of regional small and medium-sized banks has been declining year by year, and the net interest margin has gradually stabilized. Some banks’ 2025 deposit cost ratios have already fallen to the “1 handle,” and the year-over-year decline has further widened. Several industry insiders analyze that, with the banking sector’s net interest margin currently at a historical low, future deposit interest rate adjustments may continue in a pattern of small, gradual and structural differentiation, and the interest rate midpoint will still move downward steadily. (China Securities Journal)

Daily Economic News

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