On April 25, a report released by PricewaterhouseCoopers showed an overall steady, moderate and positive trend after shifting to normalized development in 2023, but it is still facing new pressures. According to PricewaterhouseCoopers data, due to the slowdown in interest income growth in 2023, the overall net profit of 38 listed banks increased 1.59% year on year. The growth rate continued to decline, and profitability was divided. At the same time, due to the double impact of declining loan yields and rising deposit costs, net interest spreads and net interest spreads of listed banks continued to narrow, and interest income and non-interest income declined sharply. However, processing fees and commission revenue have also declined overall after experiencing rapid growth, and the potential for growth has yet to be tapped.