Falling interest rates present both an opportunity and dilemma for deposit bankers. While banks should take the opportunity for significant down pricing, they need to approach with caution.
Most banks, facing a revenue shortfall compared to budgets anticipated rate increases, may feel compelled to take a meat-cleaver approach to downward betas. While this action appears on the surface to maximize margin, it conflicts with typical portfolio dynamics and runs counter to analytics trends in deposit management.
Join BankingBook’s experts for an in-depth webinar on the state of deposits. During this session, we’ll cover the latest trends for consumer and commercial and the precision analytics needed to survive any rate cycle.
As usual our webinar would be conversation in style, and based on Q&A. All confirmed attendees would get a copy of the presentation in advance.
TAGS: #DEPOSITS, #LIABILITY, #MANAGEMENT