The deposit concentration maturity window has opened, and banks are strengthening AUM assessment to retain customers

"After the fluctuations in the wealth management market in 2022, some funds have flowed into three-year deposit products. Starting from October 2025, this batch of high-interest deposits will gradually mature, and it is expected that a concentrated redemption will occur in the first half of 2026," said a person from the personal finance department of a city commercial bank in the southern region. The concentrated maturity window for high-interest deposits has already opened, and with deposit rates significantly declining, a sum estimated to reach several trillion yuan is hovering at a crossroads. Research by reporters has found that customers with different risk preferences will make differentiated choices, and it is expected that more than half of the funds will be transferred to continue pursuing stability and safety; the remaining funds may flow into wealth management and capital markets. To cope with the pressure of deposit diversion, banking institutions are making systematic adjustments from marketing strategies, product innovation to assessment systems, in order to retain customers in an environment of continuously declining interest rates. (China Securities Journal)