China Construction Bank President Zhang Yi: Deposit interest rates are at historic lows, laying a solid foundation for the recovery of net interest margins.

NightAirdropper · 2026-03-29T16:47:20+00:00

Construction Bank President Zhang Yi stated at the 2025 Annual Performance Release Conference that the bank's net interest margin remains ahead of the industry, with the deposit interest payout rate falling to a historic low. At the same time, the bank has increased the allocation of medium- and long-term high-quality assets, with personal consumption and business loans continuing to grow rapidly.

NightAirdropper

2026-03-29 16:47:20

Abstract generation in progress

The Beijing News Beike Finance reported (Reporter Xu Yuting) On March 27, at the 2025 annual performance press conference, Construction Bank President Zhang Yi stated that in terms of pricing, the net interest margin maintains a leading position among peers, with a decline that has narrowed by two basis points compared to the previous year. The interest rate on deposits is 1.32%, down 33 basis points year-on-year, which is at a historically low level and effectively solidifies the foundation for the recovery of net interest margin.

Zhang Yi pointed out that in terms of structure, there has been an increase in the allocation of high-quality medium and long-term assets. In domestic public non-pledged loans, the proportion of medium and long-term loans with a term of more than one year has risen by 0.82 percentage points. The bank continues to consolidate its traditional advantages in retail credit, with personal consumption loans and personal business loans maintaining double-digit growth for three consecutive years.

Editor: Yue Caizhou

Proofreader: Liu Jun

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