In the first half of this year, the annual interest rate of lump sum deposit and withdrawal was 1.7%. This interest rate is 0.25 percentage points higher than the central bank benchmark interest rate 1.45%. Other banks such as Postal Savings Bank and Industrial and Commercial Bank of China are lower than rural commercial banks.

Two, rural commercial banks time deposit interest rate table

Find the latest interest rate of RMB100,000 in lump sum in 2020. Thank you.

3. Which bank deposit rate is higher in the first half of 2023?

[Uncle Wilde's comments, after several national joint-stock banks lowered the interest rate of time savings products. It can be reasonably predicted that a number of small and medium-sized banks such as a rural commercial bank are likely to adjust interest rates one after another.

So, why did the big banks in the third quarter of this year? In the first half of this year, we can compare and analyze the changes of deposit interest rates of 46 institutions including six major state-owned banks, 10 joint-stock banks, 18 listed city commercial banks and 12 listed rural commercial banks.

Attached drawing 1

In the first half of this year, the average balance of deposits of the six major state-owned banks totaled 104.25 trillion yuan, and the weighted average deposit interest rate was 1.75%. The actual average interest rate ranges from 1.63% to 2. 1, and the highest interest rate is Bank of Communications. The average deposit of the "largest bank in the universe" with the most deposits is shown in Figure 2).

From the perspective of deposit structure, in the first half of this year, the average interest rates of five institutions in the six major banks increased, but it was not because of personal deposits, because their personal deposit interest rates decreased compared with the same period of last year, and the largest decline in personal interest rates was 0. 18 percentage points; On the contrary, it is the company's deposits, mainly the company's demand deposits.

Attached Figure 2

For example, in the first half of the year, the company% of Agricultural Bank of China increased by 0. 1 1 percentage point over the same period of last year; Among them, the company's time deposit interest rate is 2.44%, which is 1.0 1.07 percentage points higher than the deposit interest rate. In the same period, the personal time deposit and deposit interest rate of the bank were 2.85% and 0.3 1%, respectively, which was 0.5% lower than that of the same period last year.

Attached Figure 3

In the first half of this year, there were 10 national joint-stock banks (not 35.54 trillion), and the weighted average deposit interest rate was about 2.03%, which was significantly higher than that of state-owned banks. The distribution range of real interest rates of all products is 1.49%-2.58%, which is higher than that of the same period last year except Ping An Bank, which is flat at 2.05%. The highest is Bohai Bank (see attached figure 3 for details).

The lowest is China Merchants Bank. In the first half of this year, the average deposit interest rate of the bank was 0. 1 percentage point higher than that of the same period last year. Structurally, China Merchants Bank's demand deposits account for a relatively high proportion, accounting for 39.85%, while personal demand deposits account for only 36.42%, far below the conventional level of 49.7 1% of local and foreign currency deposits of financial institutions in the same period. From the business point of view, the reason for the high demand for bank accounts is the developed wealth management business. For example, the "redemption period" and the gap period of wealth management products can form a large number.

It is worth mentioning that in the 10 sample, the average interest rate of individual time deposits in 8 samples is above 3%, and the specific distribution interval is 3. Two of them are below 3%, namely CITIC Bank (2.99%) and China Merchants Bank (2.8 1%). Therefore, uncles and aunts who generally prefer to save regularly may not like these two families.

Figure 4

Financial Uncle Ye selected 18 commercial bank behavior samples of listed companies.

In the first half of the year, the average balance of deposits of the above-mentioned 18 sample institutions was 13.94 trillion yuan, and the weighted average deposit interest rate was 2.34%, which was relatively higher than the average interest rate of joint-stock banks. The real interest rate of banks ranges from 1.82% to 3.78% (see attached figure 4 for details), the lowest is Bank of Ningbo, which is close to the average level of state-owned banks, and the highest is Jinzhou Bank and Shengjing Bank, where 3.20% exceeds 3% (the average interest rate of the last two time deposits exceeds 4%). However, in the first half of this year, the average deposit interest rates of Jinzhou Bank and Shengjing Bank decreased slightly compared with the same period last year.

Structurally, the low interest rate in Bank of Ningbo is mainly due to the relatively high proportion of corporate deposits. At the end of June this year, the bank's corporate deposit balance was 654.38+000935 billion yuan, accounting for 80.76% of all deposits; On the contrary, personal savings only account for 19.24%. It is worth noting that in the first half of this year, the average interest rate of personal time deposits reached 3.82%, 0.6 percentage points higher than the same period last year. However, due to the high proportion of corporate deposits and the year-on-year decline in interest rates, the average interest rate of the bank's deposits in the first half of this year decreased by 0.02 percentage points compared with last year.

Attached Figure 5

In the first half of the year, the average balance of deposits of 12 listed rural commercial banks (excluding Jiangsu Zijin Rural Commercial Bank) totaled 4.24 trillion yuan, and the weighted average deposit interest rate was 2. 17%, which was higher than the average level of state-owned banks and joint-stock banks, but lower than that of listed city commercial banks. This may be related to the fiercer competition in urban deposit market than in rural areas. The actual average interest rate of banks ranges from 1.98% to 3.20%. The lowest is Suzhou Rural Commercial Bank, and the highest is Jilin Jiutai Rural Commercial Bank, which is the only sample that exceeds 3% (see attached figure 5 for details).

The average deposit interest rate of Suzhou Rural Commercial Bank is lower because the proportion of corporate deposits in its deposit structure is higher. At the end of June, the bank's deposit balance was13065438+98 million yuan; Among them, personal savings account for 46.98%, corporate deposits account for 43.79%, and corporate demand deposits account for 27.27%.

Ye Daye's conclusion

In the first half of 2023, the average balance of deposits of the above 46 sample institutions totaled 157.97 trillion yuan, accounting for 63.7% of the average deposits of all financial institutions in the same period. Therefore, the interest rate was set.

The price analysis is representative. According to Uncle Finance's calculation, the weighted average interest rate of 46 samples in the first half of the year was 1.88%, higher than the same period last year. Therefore, we can see that the net interest margin of commercial banks fell below 2% for the first time in the first half of this year (1.97% in the first quarter and 1.94% in the second quarter). Then we can understand why many big banks need to cut their deposit interest rates in September.

At the same time, through the above analysis, we can observe the performance of institutional credit stratification and regional credit stratification in the current deposit interest rate of commercial banks. From the institutional point of view, the deposit interest rate of state-owned banks is the lowest and the credit degree is the highest; Followed by national joint-stock banks, and then listed rural commercial banks, which have the highest interest rate. Uncle Jin predicted that unlisted rural commercial banks and city commercial banks may be similar to them, and the deposit interest rate of city commercial banks may be generally higher than that of county rural commercial banks. From a regional perspective, the interest rates of small and medium-sized banks in Northeast China and Bohai Bay are generally high, which is consistent with their relatively high non-performing loan ratio.

Related Questions and Answers: Bank Interest Ranking in 2023

Time deposit interest rate 2022 latest interest rate table

1, bank benchmark interest rate: 1, annualized rate 1.5%, annualized rate 2. 1%, annualized rate 2.75%; 2. BOC: 1 annualized rate 1.75%, annualized rate 2.25%, annualized rate 2.75%, annualized rate 2.75%. 3. CCB: 1 annualized rate 1.75%, annualized rate 2.25%, annualized rate 2.75%, annualized rate 2.75%. 4. ICBC: 1 annualized rate 1.75%, annualized rate 2.25%, annualized rate 2.75%, annualized rate 2.75%; 5. Agricultural Bank of China: 1 annualized rate 1.75%, annualized rate 2.25%, annualized rate 2.75%, annualized rate 2.75%; 6. China Postal Savings Bank: 1 annualized rate 1.78%, annualized rate 2.25%, annualized rate 2.75%, annualized rate 2.75%; 7. Bank of Communications: 1 annualized rate 1.75%, annualized rate 2.25%, annualized rate 2.75%, annualized rate 2.75%. 8. China Merchants Bank: 1 annualized rate 1.75%, annualized rate 2.25%, annualized rate 2.75%, annualized rate 2.75%; 9. Bank of Shanghai: 1 annualized rate 1.95%, annualized rate 2.4%, annualized rate 2.75%, annualized rate 2.75%.

Who has the highest interest rate on bank deposits in 2022?

The financial institutions with higher deposit interest in 2023 are Postal Savings, China Construction Bank, Bank of Communications: 1, Agricultural Bank of China with one-year deposit interest of 2.25%, two-year deposit interest of 3. 15%, three-year deposit interest of 3.85% and five-year deposit interest of 3.85%. 2. Bank of Communications' one-year deposit interest 1.95%, two-year deposit interest 2.73%, three-year deposit interest 3.52% and five-year deposit interest 3.52%; 3. One-year deposit rate of CCB 2. 10%, 2.94% for two years, 3.85% for three years and 3.85% for five years.

Four. Latest interest rate table of deposit interest rate in 2023

New interest table of RMB deposits in domestic banks in September 2023. Bank RMB deposit interest rate table Three months, six months, two years and three years have passed: Bank of East Asia 0.3001.3751.8752.3502.750 Guangdong Development Bank 0.3001.400/kloc. .65638+0.3502.750.300656666 0.65010.9502.41000 0.30010.43010.6902.50000000606 .9502.7303.500 Xiamen International Bank 0.4202.0002.3002.6003.3004.200 Guilin Commercial Bank 0.200 00 Quanzhou Bank 0.350 1 .5501.8502./kloc- .5505438+0.8502.1002.9403.503.300 Chongqing Bank 0.3851.6001.8902.1803.0503.9990 Qingdao Bank 0. .43065306 538+0.5438.500505 66002.9403.850 Qilu Bank 0.3004 lump-sum deposit and withdrawal period is three months 1.700%, six months 1.950%, 2.200% in one year and 2.200% in two years. Installment deposit, installment deposit, one-year 1.485%, three-year 1.705%, five-year 2.525%. Ruralcommercialbank (hereinafter referred to as Rural Commercial Bank) is a joint-stock local financial institution composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations within its jurisdiction. Rural cooperative banks should all be restructured into rural commercial banks. 2065438+On May 2, 2009, the People's Bank of China published the Notice of the People's Bank of China on Reducing the RMB Deposit Reserve Ratio of Rural Commercial Banks Serving Counties, which further refined the policy framework of implementing a lower deposit reserve ratio for small and medium-sized banks announced by the Central Bank on May 6. Cash and current savings deposits can be directly applied for time savings deposits. The initial deposit for a fixed account is 50 yuan, and there is no deposit limit. The storage period is three months, six months, one year, two years, three years and five years. Partial withdrawal can be made in advance. When the deposit expires, the principal and interest can be withdrawn by the certificate of deposit, or it can be automatically transferred in installments according to the original deposit period. Interest shall be calculated and paid at the deposit interest rate on the day when the deposit certificate is issued, at the current deposit interest rate on the day of withdrawal for early withdrawal and at the deposit interest rate on the day of withdrawal for overdue withdrawal. I can apply for a small deposit with my time deposit certificate. For the unexpired time savings deposit, the depositor must hold the certificate of deposit and the identity certificate of the depositor in advance; If the withdrawal is made on behalf of the depositor, the payee must also hold his own identity certificate, and the interest rate shall be calculated and paid according to the current savings deposit interest rate announced on the date of withdrawal. The payee must also sign the name of the payee on the payment voucher. For unexpired time savings deposits, depositors can make partial withdrawal in advance according to their needs, and the verification procedures remain unchanged. The interest rate of the early withdrawal part is paid according to the interest rate of the current savings deposit listed on the withdrawal date, and the retained part is paid on the original deposit date and when the original interest rate expires. Deposit and withdrawal of time deposits in lump sum, and each certificate of deposit can only be partially withdrawn in advance once. Where partial early withdrawal has been made, the savings institution shall indicate the words "partial early withdrawal" on the paid deposit slip and the newly opened deposit slip. (After 20 11March1,the lump-sum deposit in CCB, whether deposited before or after, can be partially withdrawn indefinitely, and it is no longer restricted once. )