Is the narrative of a 'tidal wave of tens of trillions of high-interest fixed deposits maturing' reliable? Repricing does not equate to deposit migration, as banks have multiple strategies to address the situation.

①Currently, over 70% of household deposits are non-demand deposits, but there is no accurate data on the structure and maturity of these deposits. Most related analyses are deductions based on certain assumptions. ②Banking professionals believe that although some three-year fixed deposits will indeed mature in 2026, 'the maturity of high-interest fixed deposits does not equate to deposit migration.' ③Banks have various means to address the repricing of household deposits and would actually welcome a decline in the proportion of fixed-term deposits.

cls.cnJan 19 11:27

Banks kick off the year with an 'asset acquisition battle,' while opportunistic customers accelerate their 'actions.'

New Year’s retail AUM acquisition and upgrades at banks offer rewards of over 3,000 yuan at the maximum.

wallstreetcnJan 14 13:46

The banking industry continues to respond to the one-time credit repair policy, with industry insiders noting that current applications are mainly for credit cards and consumer loans.

① After the major state-owned banks responded promptly, it is currently evident that joint-stock banks, city commercial banks, and rural commercial banks are also actively responding. ② Overall, the types of overdue loans for which applications to join the 'credit repair' program and repay arrears have been made are mainly credit cards and consumer loans. ③ Policy banks have also joined the 'credit repair' initiative, including the student loans previously managed by the China Development Bank.

cls.cnJan 8 20:47

At the beginning of the year, banks launched an 'asset enhancement campaign,' with several large banks and city commercial banks successively joining in. The approach of the Spring Festival has intensified customer acquisition efforts.

①In addition to Bank of Jiangsu, several banks, including Agricultural Bank of China, China Construction Bank, and Bank of Nanjing, have recently launched the latest round of initiatives aimed at enhancing financial assets. ②The core reason for banks introducing such campaigns lies in their ambitious goals for retail AUM. ③The period before and after the Spring Festival each year is traditionally a peak season for consumption, which inevitably generates corresponding credit demand and capital flows.

cls.cnJan 8 11:46

Ping An Life’s Stake Increased to 20% after Four Rounds of Share Purchases: Strategic Calculations Behind the 15 Billion Yuan Capital Injection

On January 7, Ping An Life Insurance announced that as of December 30, 2025, the proportion of Agricultural Bank of China H shares held through Ping An Asset Management had exceeded 2...

wallstreetcnJan 7 20:47

Banks are aggressively competing for high-interest fixed deposits maturing at the start of the year, with multiple institutions offering 'zero-fee-rate' deals, intensifying the battle further.

①The bank wealth management market has once again seen a "zero-fee" phenomenon at the start of the year, with the rare appearance of "double-zero fees"; ②Recently, there has been a noticeable increase in wealth management funds converted from maturing deposits. Especially at the end of the year and the beginning of the year, many clients tend to reallocate their assets. ③The "deposit migration" effect within the year is expected to intensify the competition for wealth management funds.

cls.cnJan 7 19:34