Deposits reimagined: From passive funds to strategic assets
In today’s evolving financial landscape, deposits are more than just a funding source — they’re pivotal to profitability.
Simon-Kucher emphasizes the need for banks to transition from outdated, one-size-fits-all approaches to a holistic, portfolio-wide strategy. By leveraging five key levers — segmented pricing, streamlined product design, targeted marketing, aligned distribution, and robust governance — banks can improve margins and funding stability. Notably, FIs adopting this integrated approach have seen margin improvements of 8–18 basis points within a year, even without major system overhauls.
