(a number of listed banks' net interest margin fell below the "warning line" small and medium-sized banks intensively cut deposit interest rates and stable interest spreads] FAP, as of April 24, 25 listed banks have disclosed their annual reports for 2022. Of these, the net interest margin of seven listed banks is less than 1.8 per cent. According to the "implementation measures for qualified prudential Assessment (revised in 2023)" issued on April 10 by the self-regulatory mechanism of pricing according to market interest rates, the "warning line" of net interest margin is 1.8% (inclusive), and points will be deducted if it is below 1.8%. A number of industry insiders interviewed told reporters that in the first quarter of this year, the net interest margin index of some commercial banks may continue to decline, which is also one of the reasons why many small and medium-sized banks have recently cut deposit rates intensively to stabilize the interest margin. (Securities Daily)