Bank of Changsha Chairperson: Net interest margin still faces downward pressure
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On September 24, Bank of Changsha (601577.SH) held its 2026 semi-annual performance briefing via online interaction. In the first half of the year, the bank's net interest margin (NIM) stood at 1.84%, ranking third among 42 listed banks, with a quarter-on-quarter rebound of 21 basis points in the second quarter. A reporter from Times Weekly, posing as an investor, asked Chairwoman Zhang Man about the outlook. Zhang stated that the NIM remained largely stable in the first half, mainly due to the implementation of liability cost optimization strategies. However, she forecast that in the next phase, the NIM will still face downward pressure due to declining asset-side yields and the impact of long-term deposits. The bank plans to optimize its asset-liability structure, reduce the proportion of low-yield assets, strengthen liability term structure management, and improve pricing management capabilities.
Source report
Source: Times Weekly
On September 24, Changsha Bank (601577.SH) held its 2026 semi-annual performance briefing via online interactive format.
In the first half of the year, the bank reported a net interest margin (NIM) of 1.84%, ranking third among 42 listed banks. In the second quarter, the NIM rebounded by 21 basis points quarter-on-quarter.
A reporter from Times Weekly attended the briefing as an investor. In response to the reporter's question, Zhang Man, Chairman of Changsha Bank, stated that the bank's NIM remained largely stable in the first half of the year, primarily due to the implementation of liability cost optimization strategies. Looking ahead, the NIM is expected to face downward pressure, driven by declining yields on asset side and the trend toward longer-term deposits.
Moving forward, the bank plans to:
- Optimize the structure of assets and liabilities
- Reduce the proportion of low-yielding assets
- Proactively strengthen the management of liability maturity structures
- Enhance pricing management capabilities
Source
时代周报Regional
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Changsha Bank Chair Warns Net Interest Margin Faces Downward Pressure Despite H1 Stability