At the bank's Q3 2026 results briefing on Nov. 2, Li Li, head of asset-liability management at China Merchants Bank, said a single-quarter stabilization in net interest margin (NIM) is a positive signal but not proof of full stabilization and that the subsequent path remains uncertain. She expects the overall NIM decline to be smaller than in the same periods of prior years. On the liability side the bank will push deposit growth while consolidating its low-cost funding advantage; on the asset s

At the bank's Q3 2026 results briefing on Nov. 2, Li Li, head of asset-liability management at China Merchants Bank, said a single-quarter stabilization in net interest margin (NIM) is a positive signal but not proof of full stabilization and that the subsequent path remains uncertain. She expects the overall NIM decline to be smaller than in the same periods of prior years. On the liability side the bank will push deposit growth while consolidating its low-cost funding advantage; on the asset side it will pursue market and industry-transition opportunities to increase loans in both volume and quality, aiming to keep NIM relatively stable and preserve its lead over peers.