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After 28 days of explosive growth, the banking industry's "DeepSeek moment" raises three questions: Will CSI Information Security Index be the biggest obstacle?
① The biggest obstacle to the large-scale application of DeepSeek is still the CSI Information Security Index issue. Currently, Banks are generally "waiting" and observing the attitude of financial regulatory bodies towards DeepSeek. ② From a cost perspective, DeepSeek will indeed be more Bullish for small and medium-sized Banks in the early stages. However, when considering customer numbers, asset scale, and data quality, large Banks undoubtedly have more advantages.
CITIC SEC: The next phase of absolute returns in the Banks sector is still worth期待. Two main lines are recommended.
CITIC SEC's Research Reports state that the performance summaries released for 2024 show that the overall operation of the listed Banks is stable.
CITIC SEC: The Banks Sector returns to the fundamental framework, focusing on absolute return opportunities.
The difference between the dividend yield and the risk-free yield has widened, which also implies an enhancement in the potential allocation strength of Banks stocks.
The central bank: In January, the operations of the standing lending facility for Financial Institutions totaled 17.105 billion yuan.
In January 2025, the People's Bank conducted standing lending facility operations for Financial Institutions totaling 17.105 billion yuan, including 11.335 billion yuan for overnight, 1.77 billion yuan for 7-day, and 4 billion yuan for 1-month periods.
After the emergence of DeepSeek, multiple Banks have initiated in-depth research testing, and the implementation of large models in the Industry is still in open exploration.
Several Banks' fintech leaders have expressed to the Financial Associated Press that they are already paying attention to and beginning to study the impact of DeepSeek on bank fintech. As models like DeepSeek can greatly reduce training and usage costs, they will provide significant assistance for the future widespread application of large models in Banks. However, large models in the banking system are still in the phase of open exploration.
Are Banks under pressure from interest margins looking to Overseas for profits? The 2025 annual plan reveals that Overseas Business may become a new highlight.
① The Industrial And Commercial Bank Of China stated that efforts should be made to explore a second growth curve for Overseas Operation; ② For companies going global, it means that both upstream and downstream industries are venturing overseas together, which means more Chinese enterprises are setting up factories and operating locally.
Bank of Gansu's (HKG:2139) Earnings Have Declined Over Five Years, Contributing to Shareholders 80% Loss
