Evolving Bank Funding
Retail deposits have gained significance as a funding source for banks, particularly following the financial crisis and subsequent regulatory changes. The shift from wholesale funding to more stable retail deposits reflects a broader trend towards increased liquidity and reduced reliance on short-term financing. As interest rates rise, banks are adapting by competing on services rather than just rates, though some are still experiencing faster deposit losses than others.In this clip
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Why Interest Rates on Savings Accounts Are Still So Low
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