Deposits latest publications

September 12, 2019

Mexico | Signs of change in the recent dynamics of sight and term deposits

Sight deposits hiked to 5.7% (YoY), while term deposits slowed down to 12.9% (YoY), influenced by possible signs of change in savings dynamics.

August 19, 2019

Mexico | Less dynamism in bank deposits in June influenced by demand deposits

During the month of June, the weakness of the economy once again influenced the growth in the deposits of the banking system. Similarly to the last months, low growth rates of demand deposits predominated over double-digit growth rates of term deposits.

July 19, 2019

Mexico | The effects of economic weakness are accentuated over traditional bank deposits

The continued decline in the pace of economic activity and the risks in both commercial and economic policy have had an adverse influence on deposits of the banking system, to the point that the nominal growth of the traditional deposits during May 2019 was located at its lowest level since the end of 2013.

June 18, 2019

Mexico | Slight rebound in traditional deposits in April, supported by term deposits

The combination of weak economic activity and high short-term interest rates maintain low growth over demand deposits, the main component of traditional deposits.

May 21, 2019

Mexico | Traditional deposits deepens its weakness

During the 1Q19, the fall in economic activity had a significant influence on traditional deposits, whose nominal annual growth of 7.8% (3.5% real) is the lowest since the end of 2013. This behavior is supported, mainly, in the stagnation of demand deposits, which predominated over the dynamism of time deposits.

March 25, 2019

U.S. Banking Outlook 2019

Despite solid profitability trends, banking conditions could become somewhat more challenging. Sustainable loan growth, higher funding costs and credit risks will be the primary areas of concern. Customer service, digital tools and economies of scale are key for success.
  • Geography Tags
  • USA

March 15, 2019

Macroeconomic Effects of Taxes on Banking

This paper evaluates the macroeconomic effects of taxes on banking in a small open economy in a currency union for three tax alternatives: an additional tax on profits, on deposits, and on loans. We propose a DSGE model with a rich detail of taxes and a banking sector and show that these three taxes are equivalent in their …

March 7, 2019

Central Bank digital currencies: features, options, pros and cons

The emergence of cryptocurrencies is opening the way to Central Bank Digital Currencies (CBDCs). This paper highlights the pros and cons of issuing CBDCs under four different variants: from the more modest proposals to the most ambitious ones where there could be a serious disruption in financial intermediation.