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Commercial Deposits – The Trillion Dollar Risk

As rates rise, a decade of growth in Commercial deposit balances could unwind. To retain and grow deposits in what will be a highly competitive environment requires new, more surgical approaches to pricing.

Today, despite four interest rate hikes, banks’ NIMs continue to be sluggish as intense competition for good loans compresses yields. This makes the cost of deposits the key driver of NIM, and banks are trying to keep deposit rates low even as interest rates continue to rise. Commercial deposits have grown at a much faster rate than loans over the past decade, and have provided a base of low cost funding for banks. As rates ...

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