Recently, six major state-owned commercial banks, including Industrial and Commercial Bank, Agricultural Bank, Bank of China, China Construction Bank, Postbank, and Bank of Communications, have disclosed their results for the first three quarters of 2026. Judging from the two key indicators of operating income and net profit due to mother, the six major state-owned banks all achieved positive year-on-year growth in the first three quarters, and operating efficiency progressed steadily. As the core indicator for measuring a bank's profitability, net interest spreads directly determine the level of net interest income, which in turn affects the bank's overall operating performance. As of the end of September this year, ICBC, Agricultural Bank, Bank of China, CCB, Postbank, and Bank of Communications had net interest spreads of 1.29%, 1.28%, 1.27%, 1.36%, 1.60%, and 1.24%, respectively. Overall, compared with the end of 2025, the net interest spreads of the four banks ICBC, Bank of China, CCB, and Bank of Communications increased by 0.01 percentage points, 0.01 percentage points, 0.02 percentage points, and 0.04 percentage points respectively; the net interest spread of Agricultural Bank remained the same as at the end of 2025; and the net interest spread of the Postbank fell 0.06 percentage points from the end of 2025.

Recently, six major state-owned commercial banks, including Industrial and Commercial Bank, Agricultural Bank, Bank of China, China Construction Bank, Postbank, and Bank of Communications, have disclosed their results for the first three quarters of 2026. Judging from the two key indicators of operating income and net profit due to mother, the six major state-owned banks all achieved positive year-on-year growth in the first three quarters, and operating efficiency progressed steadily. As the core indicator for measuring a bank's profitability, net interest spreads directly determine the level of net interest income, which in turn affects the bank's overall operating performance. As of the end of September this year, ICBC, Agricultural Bank, Bank of China, CCB, Postbank, and Bank of Communications had net interest spreads of 1.29%, 1.28%, 1.27%, 1.36%, 1.60%, and 1.24%, respectively. Overall, compared with the end of 2025, the net interest spreads of the four banks ICBC, Bank of China, CCB, and Bank of Communications increased by 0.01 percentage points, 0.01 percentage points, 0.02 percentage points, and 0.04 percentage points respectively; the net interest spread of Agricultural Bank remained the same as at the end of 2025; and the net interest spread of the Postbank fell 0.06 percentage points from the end of 2025.