household deposits
Households aren't as flush as they used to be. Rather than locking funds away in term deposits to work their money harder, they are holding it in ready cash to be more resilient in case the unexpected happens
8
Households aren't as flush as they used to be. Rather than locking funds away in term deposits to work their money harder, they are holding it in ready cash to be more resilient in case the unexpected happens
Savers moved their deposits aggressively during the pandemic. Now the pandemic has passed and they remember how to do it, does that risk other more destabilising shifts out of the banking system?
39
Savers moved their deposits aggressively during the pandemic. Now the pandemic has passed and they remember how to do it, does that risk other more destabilising shifts out of the banking system?
Our short term rates may be rising but they are moving far less than key offshore rates and the usual premiums for NZ$ funding we have long known are now discounts
6
Our short term rates may be rising but they are moving far less than key offshore rates and the usual premiums for NZ$ funding we have long known are now discounts
We look at the make-up of bank deposits, especially those held by households, and find these balances growing surprisingly quickly
22
We look at the make-up of bank deposits, especially those held by households, and find these balances growing surprisingly quickly
Shock, horror, the RBNZ concludes banks' ability to attract household deposit funding is sensitive to the interest rates they offer savers
15
Shock, horror, the RBNZ concludes banks' ability to attract household deposit funding is sensitive to the interest rates they offer savers
Macquarie analysts run the ruler over the big 4 Australasian banks' deposit growth as their funding gap in NZ gathers momentum
Macquarie analysts run the ruler over the big 4 Australasian banks' deposit growth as their funding gap in NZ gathers momentum
Foreign institutions that buy covered bonds in our banks get priority over bank assets in the event an institution fails and that is not fair says Bernard Hickey. Your view?
37
Foreign institutions that buy covered bonds in our banks get priority over bank assets in the event an institution fails and that is not fair says Bernard Hickey. Your view?