![]() ![]() In addition, we explore variation across deposit categories to better understand banks’ funding strategies as well as depositors’ investment opportunities. In this post, we extend our analysis through 2022:Q4 and observe a continued rise in deposit betas to levels not seen since prior to the global financial crisis. In a prior post, we explored how deposit pricing was changing slowly in response to higher interest rates as of 2022:Q2, as measured by a “deposit beta” capturing the pass-through of the federal funds rate to deposit rates. ![]() Alena Kang-Landsberg, Stephan Luck, and Matthew Plosserĭeposits make up an $18 trillion market that is simultaneously the main source of bank funding and a critical tool for households’ financial management. ![]()
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