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Rates Rise As Client Behavior Is Shifting

In the early stages of the rising-rate environment, banks have been able to substantially lag rates across all lines of business. Through three increases (June 2017), customer behavior — measured by mix shift and churn — had not substantially changed. Over the past six months, Novantas has increasingly observed shifting customer behavior that signals a potential lift in lag. Lags Similar to Prior Rate Environment — But When Will They Lift? In the prior rising-rate environment of 2004—06, Retail rates lagged for the first four Fed increases — as the Fed raised from 1.00% to 2.00%. Promotional betas were half ...

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