There may be a slight difference between deposit and loan FTP and fund FTP, but generally speaking, the application scope of deposit FTP is deposit, loan and credit; FTP of funds is applicable to interbank deposits and loans, bonds and bills (whether in loan subjects or not).

2. The cost is different.

The same funds were only transferred to the responsible departments, increasing from 3.5% to 4%. This is also the explosion point of the contradiction between many bank branches and the assets and liabilities department of the head office, because generally speaking, the loan department is also the deposit department.

In the view of branches, the middle 50BP is earned by the asset-liability department, which has only a few people, 40-50 people in the asset-liability department of big banks and 20-30 people in the joint-stock system. But in fact, labor costs can be ignored. This 50 BP also includes many costs, mainly the cost of liquidity management.

Downgrading FTP for deposits and loans has an impact:

The loan appraisal profit can be increased by 10~20%. At present, the FTP evaluation profit (loan yield-deposit and loan FTP price) of one-year loans is about 200~250bps, while the FTP evaluation profit of five-year loans is slightly lower. Lowering the FTP price of deposits and loans by 20-25bp can increase the loan evaluation profit 10~20%.