It's once again the annual mortgage repricing day, and Banks personnel candidly state that "revenue pressure is increasing." How to stabilize the interest margin under the expectation of interest rate cuts?

① With the arrival of the repricing cycle on January 1st, many industry professionals who spoke with reporters from the Financial Association stated that "revenue pressure is increasing." ② Looking ahead to 2025, many experts believe that the policy interest rates need to be further lowered during the year, and mortgage rates will continue to decline. ③ From the perspective of the Industry, controlling costs remains the primary measure each bank is taking to ease the downward pressure on interest margins.

cls.cnJan 2 08:14 ET

At the end of 2024, the top 100 real estate companies will see a rebound in sales, with the number of companies exceeding one billion reduced to 11.

By the end of 2024, the sales of the top 100 real estate companies will show a tail end market trend; the number of billion-yuan and hundred-million-yuan real estate companies continues to decrease, with the number of billion-yuan companies further reduced to 11 in 2024, returning to the level of 2016.

cls.cnJan 2 03:18 ET

On the first trading day of the New Year, Bank stocks opened high and then fell back. Many Institutions: the opening performance may be better than in previous years, but the trend of declining net interest margin remains unchanged.

① The crediting ratio between each quarter is expected to recover to a ratio of 4:3:2:1. ② It is expected that policy trends will continue, gradually boosting demand in the Real Estate sector. ③ This year, the decline in net interest margin for Banks is narrower compared to 2024, with a calculated interest margin of 1.34% under neutral assumptions.

cls.cnJan 2 01:19 ET

High-dividend Coal Industrial Concept(coal Industry) stocks will be the "stable happiness" in 2024. The trend of Thermal Coal next year may fluctuate in a narrow range | 2025 outlook.

① The Coal Sector is expected to perform brilliantly in 2024, humorously referred to as the "most profitable track in A-shares"; ② Industry insiders anticipate that Thermal Coal prices will fluctuate within the Range next year.

cls.cnDec 31, 2024 10:25 ET

The Electric Vehicle Hundred People Meeting released the top ten trends in the automotive industry for 2025: Solid State Battery accelerates mass production and AI technology brings new transformations.

① Trend One: The increment market for Autos is entering a stage dominated by electricity, with an estimated 16.5 million New energy Fund vehicles sold in 2025; ② Trend Two: Plug-in hybrids and range-extended technologies are integrating advanced electric and RBOB Gasoline technologies, becoming an important force in New energy Fund increases; ③ Trend Three: New energy Fund Commercial Vehicles are entering a rapid growth phase, with the penetration rate of heavy trucks expected to exceed 20%;

cls.cnDec 31, 2024 02:10 ET

Year-end review | In 2024, the CNI Yangtze Index mortgage rates will experience a "three consecutive declines". The LPR in 2025 is expected to continue to decrease, and mortgage rates are likely to stabilize at a low level.

① This year, the LPR has experienced three significant reductions, with the one-year LPR down a total of 35 basis points and the five-year LPR down a total of 60 basis points, both annual declines reaching new highs since the LPR reform. ② After the re-pricing at the beginning of 2025, the interest rate for existing first-time home loans will decrease by a total of 110 basis points to 3.3%. From the perspective of Consumer, the reduction in interest rates on existing home loans significantly boosts Consumer spending.

cls.cnDec 30, 2024 21:37 ET