As we all know, ABC is second only to ICBC in terms of scale and performance. According to the data, the annual operating income of ABC in 2023 will be 694.8 billion yuan, and the net profit attributable to the parent company will be 269.4 billion yuan, with a record high net profit. At the same time, the total assets of ABC are also among the highest in the world, reaching 39.87 trillion yuan.
The reason why ordinary people like to deposit their money in the Agricultural Bank of China is that the deposits of the Agricultural Bank of China are safe and reliable. At the same time, the Agricultural Bank of China has many outlets, so you can handle deposit and withdrawal business near your home. However, starting in 2023, state-owned banks, represented by the Agricultural Bank of China, will continue to reduce deposit rates. After entering 2024, the deposit interest rate of the Agricultural Bank of China has fallen to a historically low level, and there is room for further reduction of the deposit interest rate in the future.
Recently, some depositors have raised the question of how much interest income will be after three years if 250,000 yuan is deposited in the Agricultural Bank of China? Judging from the current situation, the Agricultural Bank of China has made a new adjustment in May, and even if it is the same amount and deposit, and different types of deposits, the interest income given by the Agricultural Bank will be different.
First, demand deposits
The interest rate on demand deposits at ABC is 0.2% like other state-owned banks. If you deposit 250,000 yuan for survival, you can get it after 3 years: 250,000 ×0.2%× 3 years = 1,500 yuan. Obviously, it must be a loss for depositors to put their money in a demand deposit. Therefore, as long as the funds in your account exceed 30,000 yuan, it is still recommended to deposit a fixed deposit. If you have a sum of money that you need to withdraw at any time, you can also save this money in a short-term deposit for 3 or 6 months, and the interest rate on short-term deposits is much higher than the interest rate on demand deposits.
Second, fixed deposits
The threshold of the Agricultural Bank of China's fixed deposit is only 50 yuan, which is divided into 6 levels, which are: (1) the 3-month fixed deposit interest rate is 1.15%, ;(2) the 6-month fixed deposit interest rate is 1.35%, ;(3) the 1-year fixed deposit interest rate is 1.45%, ;(4) the 2-year fixed deposit interest rate is 1.65%, ;(5) the 3-year fixed deposit interest rate is 1.95%, ;(6) the 5-year fixed deposit interest rate is 2%.
If you deposit 250,000 yuan into a fixed deposit, you can get it after 3 years: 250,000 ×1.95%× 3 years = 14,625 yuan. Of course, the above fixed deposit interest rate is only the listed interest rate, and the deposit interest rate may be higher for each branch of the Agricultural Bank of China. To do this, depositors can go to the nearest Agricultural Bank branch to find out the specific situation.
Third, large-denomination certificates of deposit
The minimum deposit point for the Agricultural Bank of China's large-denomination certificates of deposit is 200,000 yuan, and the large-denomination certificates of deposit have been added to the short-term certificates of deposit for one month, and the long-term certificates of deposit with a maturity of five years have been removed. There are 5 levels in total, which are: (1) 1-month and 3-month certificates of deposit, the interest rate is 1.5% ;(2) 6-month certificates of deposit, the interest rate is 1.6%, ;(3) 1-year certificates of deposit, the interest rate is 1.8%, ;(4) 2-year certificates of deposit, the interest rate is 1.9%; (5) The interest rate for 3-year certificates of deposit is 2.35%. At present, because the state-owned banks are not short of money, the number and scale of issuing large-value certificates of deposit will be reduced compared with the past.
If you put 250,000 yuan into a fixed deposit, you can get it after 3 years: 250,000 ×2.35%× 3 years = 17,625 yuan. Compared with fixed deposits, large certificates of deposit have the function of being transferable in addition to having a higher interest rate on deposits. If a depositor buys a large certificate of deposit with a maturity of 3 years, after 2 years, there is an urgent need to cash out. can be transferred to others in the secondary market. Although there will be some losses in the interest on deposits, it is not like time deposits, and early withdrawal of deposits will be counted as demand deposit interest rates.