Non-Maturing Deposit Analysis: A Follow Up - Additional Observations and Reminders

As a follow-up to our Executive Advisory on Non-Maturing Deposits from a couple of weeks ago, I would like to make the following additional observations and reminders. Over the past few years, our Clients have been bombarded by Regulatory concerns related to a potentially explosive increase in Deposit Rates in general and Non-Maturing Rates specifically when the Fed exited its Zero Interest Rate Policy (ZIRP).

The level of Regulatory Concern and Scrutiny over Interest Rate Risk, in general, and Non-Maturing Deposit Rates, in particular, has been reminiscent of what we experienced leading up to Y2K. The results have also been quite similar. Whereas, the concern has been genuine, it has not been well founded, based upon the available data, as we have discussed ad nausium...

Click here to read more: CE01_Follow-Up_Exec_Advisory_XVII-A.2_Non-Maturing_Deposits_0417.pdf