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How to Get in Front of the Back Book

It’s a question that is being debated in corporate offices across the banking industry: “What should we do with the back book?” That chunk of low-interest deposits sitting in customer savings accounts is incredibly valuable for a bank, especially as steep competition generates a wave of new-customer promotions with rates at far higher levels. But customers who have those low-yielding accounts may start looking for a better return. “We can’t just leave the back book ...

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