Ironia da história: com a crise, os bancos não estão encontrando muitas oportunidades para investir. Dentro em pouco vão recusar depósitos de clientes...
In Cash Glut, Banks Try to Discourage New Deposits
From the Editors of American Banker, July 27, 2010
With attractive lending opportunities hard to come by, bankers are finding themselves doing what would have been unthinkable just two years ago: discouraging deposits.
Most large and regional banking companies are drowning in deposits, raising concern that excess liquidity could be a drag on earnings in coming quarters.
Though interest rates on deposit accounts are manageable, due in part to historically low rates, costs remain associated with handling those relationships. Banks have also seen their ability to charge certain fees, on overdrafts, for example, constrained by the recent wave of financial reforms.
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