Take your time, China – it’s only almost April. The 2012 results season for the nation’s biggest banks is finally upon us. China’s second-largest lender kicked things off this week, reporting a 14 per cent increase in net income. This sounds good, but it is China Construction Bank’s lowest income growth in six years. That is what happens when Beijing liberalises interest rates, removing fat interest margins for state banks. Net interest margin fell 5 basis points over the last three months of 2012 at CCB. Other banks will surely have seen similar falls.
慢慢來，中國——現在還不到4月。中國各大銀行的2012年業績公布期終于到了。中國第二大銀行本周率先報告業績，凈利潤增長14%。這聽起來不錯，但卻是中國建設銀行(CCB)六年來最慢的利潤增長。這是北京放松利率管制的結果，此舉消除了國有商業銀行的豐厚息差。2012年最后三個月，建行的凈息差下降5個基點。其他銀行想必也有類似下跌。
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