0.98%. This is the net interest spread data of the Bank of Harbin for the first half of this year. Net interest spreads are a key indicator for evaluating commercial banks' ability to yield interest-bearing assets and risk pricing. When the absolute level of net interest spreads is low, banks' profitability is severely tested. In fact, against the backdrop of a steady recovery in the banking sector's overall net interest spreads in the second quarter, the net interest spreads of some small and medium-sized banks, including the Bank of Harbin, are unspeakably optimistic. Such banks often have the characteristics of higher debt-side costs and greater asset-side reinvestment pressure. When will we see a steady recovery in net interest spreads of these small to medium banks? Industry insiders have no clear answers yet. In response, experts suggest that the small and medium-sized banks mentioned above should seek answers from the debt side and the asset side, seek low-cost debt, cultivate specialty products, and obtain reasonable pricing capabilities; at the same time, make more efforts in intermediary business to increase the scale of non-interest income.

0.98%. This is the net interest spread data of the Bank of Harbin for the first half of this year. Net interest spreads are a key indicator for evaluating commercial banks' ability to yield interest-bearing assets and risk pricing. When the absolute level of net interest spreads is low, banks' profitability is severely tested. In fact, against the backdrop of a steady recovery in the banking sector's overall net interest spreads in the second quarter, the net interest spreads of some small and medium-sized banks, including the Bank of Harbin, are unspeakably optimistic. Such banks often have the characteristics of higher debt-side costs and greater asset-side reinvestment pressure. When will we see a steady recovery in net interest spreads of these small to medium banks? Industry insiders have no clear answers yet. In response, experts suggest that the small and medium-sized banks mentioned above should seek answers from the debt side and the asset side, seek low-cost debt, cultivate specialty products, and obtain reasonable pricing capabilities; at the same time, make more efforts in intermediary business to increase the scale of non-interest income.