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Brokerage morning meeting highlights: China's semiconductor industry's domestic market demand and self-controllable direction are clear.
At today's brokerage morning meeting, citic sec believes that the domestic market and self-controllable direction are clear development directions for China's semiconductor industry; gtja pointed out that the improvement in domestic demand is expected to continue to heat up, highlighting the elasticity of baijiu; htsc stated that bank performance is expected to stabilize, seizing structural opportunities.
Pan Gongsheng: steadily promoting the opening up of the financial services industry and financial market systems, expanding the interconnection of domestic and foreign financial markets.
①The fundamentals of the Chinese economy, the broad market, strong economic resilience, and great potential have not changed; ② Continue to adhere to the supportive mmf policy, strengthen communication with the market, and constantly improve the quality and effectiveness of financial services.
Large banks are accelerating their efforts to expand into lower-tier cities! The balance of inclusive small and micro loans is increasing, while interest rates are declining. Small and medium-sized banks are speeding up their efforts to attract customers.
From the perspective of inclusive finance, state-owned major banks have continued to lower the average interest rate of inclusive loans for small and micro enterprises this year, while the loan balance has grown rapidly since the beginning of the year. Shareholding banks and city commercial banks are competing for customers based on service quality.
Traders reduce bets on Trump trades as emerging market assets rise.
As traders reduce their bets on Trump's victory, emerging assets surge significantly.
Is it the most 'rolled up' in history? The tenth batch of national procurement pharmaceutical catalog is officially announced, with up to 31 companies competing for a single variety.
①This afternoon, the National Pharmaceutical Centralized Procurement Office officially announced the tenth batch of national procurement pharmaceutical catalog, with a total of 263 specifications and 62 varieties; ②Many industry insiders believe that the tenth batch of national procurement will be the largest and most competitive national procurement in history.
Bank Bradesco Q3 2024 GAAP EPS $0.08 Misses $0.09 Estimate, Sales $3.766B Miss $5.322B Estimate
Rules for the normalization of existing house loan interest rates have arrived! Understand with one article.
1. Preliminary statistics show that as of October 28, 21 national banks have completed batch adjustments, totaling 53.667 million transactions, reducing the stock mortgage interest rates by 25.2 trillion yuan. 2. After this round of batch adjustments, the stock mortgage interest rates have dropped to 3.3%. If the gap between stock and new mortgage interest rates exceeds 30 basis points, it will trigger a new round of reductions in stock mortgage rates.
Here's the Major Earnings Before the Open Tomorrow
The operating conditions of the top three quarters of the six major state-owned banks have all been revealed, with a total consolidated net profit exceeding 1 trillion and a daily profit of 3.867 billion, and the overall asset quality is sound.
As of October 30, the third quarterly reports of the large state-owned banks have been disclosed. Among the six large state-owned banks, the revenue of ICBC, CCB, and Bank of China in the first nine months decreased year-on-year. Industrial and Commercial Bank of China, Bank of Communications, and China Construction Bank data show that the proportion of time deposits is still increasing.
AgBank's net profit increased by 3.6% in the first three quarters. The earnings conference will reveal the progress of "capital injection", management expects stable interest spreads this year and pressure will continue next year.
①Agricultural Bank is advancing the implementation of capital replenishment related work in accordance with the overall arrangements of regulatory institutions and shareholder units. "Currently, we are actively communicating with relevant departments and studying and demonstrating the plan for core tier one capital replenishment." ②From the perspective of next year's changes, under the macro-policy guidance of financial concession to the real economy, it is expected that Agricultural Bank's net interest margin will still be under pressure, and the trend of changes will remain basically consistent with peers.
In the third quarter, many banks saw double-digit growth in net income. The sector's increase was significant, how do we view the future market?
Recently, many A-share listed banks have released their third quarter reports for this year.
When will the repricing cycle change after the adjustment of the existing house loan interest rate? ICBC and CMB are already preparing relevant work, while many banks have no plans yet.
Industrial and Commercial Bank of China and CM Bank stated that they are actively preparing for the relevant work of redefining the 'repricing date' for mortgage loans. Prior to this, the central bank announced that starting from November 1, 2024, individuals with commercial residential loans with contracts specifying floating interest rates can negotiate and agree on the repricing cycle with banks and financial institutions. Today's adjustment of existing mortgage loan rates only involves additions or deductions and does not involve changes to the repricing cycle.
The scale of MLF maturing in October is the largest since the beginning of the year! The central bank will continue to reduce the scale by 700 billion yuan at a reasonable price. Industry insiders: It is expected that the increase in bank loans will resum
The MLF operation rate remained unchanged in October, with an operation scale of 700 billion. The MLF maturing amount for the month was 789 billion, the largest maturing scale since the beginning of the year. This indicates a slight reduction operation for the month.
Adjustments starting from today! Major commercial banks are adjusting the existing housing loan interest rates in bulk. Some small and medium-sized banks will complete the adjustments by the end of the month. A 1.25 million 25-year housing loan in Peking
1. Today, major commercial banks such as Industrial and Commercial banks, Agricultural banks, Central banks, Construction banks, Bank of Communications, and Postal Savings Bank of China have collectively adjusted the interest rates of existing housing loans that meet the criteria in batches, with some small and medium-sized banks expected to complete the process by the end of the month at the latest. 2. Under the combined effects of recent real estate support policies, there are certain signs of the real estate market hitting a bottom and stabilizing, thereby easing the phenomenon of early repayment of loans.
Starting today, there will be a reduction in the interest rates on existing housing loans! Significantly alleviating the burden of mortgage interest.
The increment for the eligible existing housing loan interest rates in this round will be adjusted to a deduction of "minus 30 basis points" on the loan market quote rate (LPR) basis, with an expected average decrease of around 0.5 percentage points in existing housing loan rates. Overall, borrowers are estimated to save 150 billion yuan in interest expenses, benefiting 50 million households and 0.15 billion individuals.
Existing home loan interest rates were adjusted in batches today, with clients in Shanghai owning two properties seeing a reduction of 65 basis points.
Starting today, most existing housing loans will undergo batch adjustments. State-owned large banks and other banks have already completed the adjustment of mortgage rates, while the adjustment for some small and medium-sized banks may be slightly delayed.
Adjust as scheduled! The adjustment of existing housing loans for six major banks and many joint-stock banks has been implemented in batches, with some large banks already adjusted after 23:00 on the 24th.
① As of now, six state-owned major banks and multiple joint-stock banks have started the bulk adjustment work of existing property mortgage interest rates. ② Some major banks have been adjusting gradually in the background to ensure a unified adjustment on the 25th, starting after 23:00 on October 24. ③ Users have shared screenshots showing that after the adjustment of existing property mortgage interest rates on October 25, the rate dropped from 4.8% to 3.9%, resulting in a reduction of over 0.02 million yuan in interest expenses.
12 joint-stock banks have completed a new round of deposit rate reduction. While the interest rates are generally falling, some banks are still issuing large-denomination certificates of deposit that are being snapped up. Will there be further reductions
1. The current banks have started a new round of deposit interest rate cuts, which is of great significance for stabilizing interest margins, thereby ensuring the stable operation of commercial banks and continuously increasing support for real economy financing. 2. The current banks need to better manage the liability side, the key is to proactively predict interest rate trends and make policy adjustments.
Nearly ten listed city commercial banks have made the latest adjustments! The pressure of narrowing interest rate spreads is becoming more prominent, and each bank is adopting different interest rate adjustment strategies to accelerate their follow-up.
①Currently, about 8 listed city commercial banks such as bank of shanghai, bank of jiangsu, etc., have made the latest adjustments to deposit benchmark interest rates or some special deposit product rates, but the scope and intensity of the adjustments vary. ②Experts predict that small and medium-sized banks will gradually follow suit, but due to the different funding costs and deposit structures of each bank, as well as the differing market competition environments they face, they will adopt different interest rate adjustment strategies.
Another round of banks' reverse operations? LPR has decreased, but the floating point for loans has increased. Some banks in jiangsu: The interest rate for first homes must not be lower than 2.95%.
Today, Nanjing, Suzhou, and other places have all stated that they will implement a minimum interest rate floor of 2.95% for first-home loans. The previous LPR-90 basis points will be reduced to LPR-65 basis points. Industry insiders indicate that for homebuyers, it is important to pay attention to signal changes, as some credit policies may show signs of stabilizing.