Chen added that net interest margins will still remain at a low level in the second half, albeit not significantly lower, as China will likely keep interest rates low to stimulate economic growth. Fee income As interest income is under pressure amid the low-interest environment, banks have been relying more on fee income, such as the sale of wealth management products and stock brokerage fees, to boost its profit. Ji Zhihong, executive vice president of China Construction Bank, said the company's wealth management income increased 6.8% in the first half to a record 9.1 billion yuan.