降息重定价遇存款大战 银行业高息内卷至明年首季

降息重定价遇存款大战 银行业高息内卷至明年首季

核心现况:降息未能阻止存款“内卷战”高息定存大战延续: 尽管马来西亚国家银行(国行)已于去年7月将隔夜政策利率(OPR)从3.00%下调至2.75%,但各大银行为了争夺客户资金,定期存款(FD)的高息竞争在今年下半年(2H26)依然白热化,预计这场“抢钱大战”将至少延续至2027年首季。 行业评级下调: 丰隆投资银行研究(HLIB Research)发布《2026年下半年银行业展望报告》,因缺乏强劲催化剂及外资流出,将大马银行业评级从“增持”下调至“中性”。 竞争白热化的原因与银行困境资金防御升级:...

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