商业银行管理罗斯.pptx

商业银行管理罗斯.pptxBANK MANAGEMENT & FINANCIAL SERVICES
9th Edition
Peter S. Rose
CHAPTER SIX MANAGING AND PRICING DEPOSIT SERVICES
Key topics
Types of Deposit Accounts Offered
The Changing Mix of Deposits and Deposit Costs
Pricing Deposit Services and Deposit Interest Rates
Conditional Deposit Pricing
Rules for Deposit Insurance Coverage
Disclosure of Deposit Terms
Lifeline Banking
Types of Deposits Offered by Banks
Transaction (Payments) Deposits: An Account Used Primarily to Make Payments for Purchases of Goods and Services.
Noninterest-Bearing Demand Deposits
Interest-Bearing Demand Deposits
a. NOW Accounts
b. Money Market Deposit Accounts (MMDAs)
c. Super NOWs
Non-transaction (Savings or Thrift) Deposits: An Account Whose Primary Purpose is to Encourage the Bank Customer to Save Rather than Make Payments.
a. Passbook Savings Deposits
b. Statement Savings Deposits
c. Time Deposits
d. Individual Retirement Accounts (IRAs)
e. Keogh Plans
f. Roth IRAs
Core Deposits
Core deposits are the most stable components of a depositary institution’s funding base and usually include smaller-denomination savings, time deposits, as well as checking account. They are characterized by relatively low interest-rate elasticity. Holding a substantial proportion of core deposits has an advantage in having access to a stable and cheaper source of funding with relatively low interest-rate risk.
Interest Rates Offered on Different Types of Deposits
Interest Rates on Deposits Depend On:
The Maturity of the Deposit
The Size of the Offering Bank
The Risk of the Offering Bank
Marketing Philosophy and Goals of the Offering Bank
Pricing Deposit-Related Services
Pricing Deposits at Cost Plus Profit Margin
Using Marginal Cost to Set Interest Rates on Deposits
Conditional Pricing
Pricing Deposits Based on the Total Customer Relationship
Pricing Depos