Retail Deposits: Analyzing Deposit Stickiness in the Current Interest Rate Environment / Blogs / Perficient

Retail Deposits: Analyzing Deposit Stickiness in the Current Interest Rate Environment / Blogs / Perficient

In our previous article, “Transaction Accounts: Analyzing Deposit Stickiness in the Current Interest Rate Environment,” Perficient’s Financial Services Risk Management and Regulatory Capabilities Center of Excellence (CoE) explored the sharp decline in transaction account balances over an 18-month period. Now, we will delve into the stability of retail deposits from the same bank over the … Read more

Transaction Accounts: Analyzing Deposit Stickiness in the Current Interest Rate Environment / Blogs / Perficient

Transaction Accounts: Analyzing Deposit Stickiness in the Current Interest Rate Environment / Blogs / Perficient

Retail banks respond to the Federal Reserve’s short-term interest rate adjustments with corresponding changes in lending and deposit rates. However, in the current rising interest rate environment in the United States since 2022, loan rates have adapted more rapidly than deposit rates. Sir Isaac Newtown’s first law of motion, which states that an object in … Read more

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