China July 2026 bank deposit-rate report: average fixed-term retail deposit rates — 3m 0.949% (-0.2bps MoM), 6m 1.152% (-0.1bps), 1y 1.263% (-0.2bps), 2y 1.358% (-0.4bps), 3y 1.683% (-0.1bps), 5y 1.560% (+0.7bps). Large-denomination CDs showed a similar pattern: 3m 0.977% (-10.45bps MoM), 6m 1.161% (-9.50bps), 1y 1.357% (-6.22bps), 2y 1.371% (-7.94bps), 3y 1.716% (-0.59bps), 5y 1.620% (+2.00bps).