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存贷款利率双降对NIM整体拖累较小(NIM单位为BP,存款成本和利息收入单位均为亿元)
存贷款利率双降对NIM整体拖累较小(NIM单位为BP,存款成本和利息收入单位均为亿元)
行业数据
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图片尺寸:2327*2470
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所属报告:
银行行业深度报告:存贷降息之际再评估银行的“利率风险”-230703(18页).pdf
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相关数据
图表4:香港零售银行NIM(净息差)从2023年的1.68%高位收窄至
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行业数据
2026-01-12
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上市银行利息净收入、生息资产收益率、贷款平均利率和NIM
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行业数据
2022-09-26
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邮储银行NIM变动(单位:%)
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行业数据
2022-08-05
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图59德国银行业净息差NIM处于低位
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行业数据
2022-03-11
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(2)贷款期限结构:贷款为均为分布,3M-1Y中 3M-6M、6M-1Y分别占 33%、67%;假设:1Y-5Y中 1Y-1.5Y占 12.5%;
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银行行业深度报告:存贷降息之际再评估银行的“利率风险”-230703(18页).pdf
银行账簿利率风险管理涉及多部门
银行账簿利率风险管理的新版监管文件更加精细化
存贷款利率双降对NIM整体拖累较小(NIM单位为BP,存款成本和利息收入单位均为亿元)
存量按揭贷款利率下降对净息差的影响较大
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