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BK9 - Topics in Commercial Bank Management Lecture Nine...

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MANA130107 Bank Management 1 Lecture Nine Liability Management--Deposit (chap 12 ) Topics in Commercial Bank Management MANA130107 Bank Management 2 Liability Management--Deposit Topics covered in this lecture Types of Deposit Mix and Cost of Deposit Pooled Funds Pricing Marginal Cost Pricing Conditional Pricing Managing Customer Relationship MANA130107 Bank Management 3 Banks Funding Sources Bank funding sources Deposit, Borrowings, Bond and Note, Equity funding Deposit is No.1 fund resources Concerns: Cost and Sufficiency Competitiveness: Pricing Scheme and Marketing Recent trends in Deposits Customers become more IR conscious Customers prefer shorter-term deposits Core deposits are viewed as increasingly valuable Hybrid CDs are issued to attract rate sensitive depositors
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