The three quarterly reports of A-share listed banks have all been disclosed. A set of data outlines the industry and also reflects the challenges faced by stock banks — statistics show that in the first three quarters of this year, the total operating income of the nine A-share listed stock banks increased 3.80% year on year, and net profit to mother fell 2.80% year on year. It is the only group with negative net profit growth among all types of listed banks. This means that stock banks not only clearly lag behind major state-owned banks, but have also failed to keep up with the growth pace of some high-quality urban commercial banks. According to analysts, the pressure on stock bank operations has not only an industrial impact brought about by changes in the macro environment, but is also related to its own operations. The narrowing of net interest spreads is a common problem facing the entire industry. The Guangfa Securities Research Report shows that in the first three quarters, net interest spreads continued to drag down stock banks and agricultural commercial banks, while net interest spreads between urban commercial banks and state-owned banks contributed positively to performance.

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