Yang Jun, deputy governor of the Bank of China: The number of regular deposits reaching maturity increased in the second half of last year, with the majority still being retained in deposit form.

On March 30th, Sina Finance reported that the Bank of China held its 2025 annual performance release conference on March 30th. Yang Jun, the deputy head of the bank, stated that starting from the second half of 2025, the Bank of China will see an increase in the scale of regular deposits reaching maturity. In response to these mature regular deposits, the Bank of China is taking careful measures to retain these funds. In terms of actual results, the majority of funds are still being kept in the form of deposits, with a relatively high proportion of regular deposits being renewed. It is expected that this year, the trend of mature regular deposits will continue to maintain this characteristic. "Due to the current deposit interest rates being lower than those of three years ago, the repricing of the aforementioned deposits will lead to a decrease in the interest rate paid on deposits, which will have a positive impact on stabilizing the bank's interest rate spread. Structurally, it is expected that funds in the entire society will continue to concentrate towards individuals and non-bank institutions," said Yang Jun.