1. Different financial strength and scale: As one of the largest commercial banks in China, ICBC has strong financial strength and can offer higher deposit interest rates to attract customers. Although ABC is also one of the large commercial banks, compared with ICBC, its financial strength and scale are still slightly inferior, so the deposit interest rate provided is relatively low.
2. Different risk tolerance: As one of the large state-owned commercial banks, ICBC has high risk tolerance, so it can provide relatively high deposit interest rates. The risk tolerance of ABC is relatively low, so the deposit interest rate provided is relatively low.