2023年3月24日,

NAB说存款转换寻求收益,不是安全分享澳大利亚国民银行的商业银行业务负责人安德鲁·欧文说,没有迹象表明中小企业客户选出来传播他们的现金在银行套利政府担保,但这样的客户转换成收益率较高的定期存款。但是欧文先生说:“我们还没有看到”,因为澳大利亚是一个非常不同的地方对美国和欧洲。“我们看到的是客户寻求收益,我们看到他们移动货币存款账户,并没有真正得到任何利益或好存款利率(时利率超低),”他告诉误判率周末周二银行峰会召开之前。“我们看到运动的资金收益率较高的仪器。我认为有大量的消费者信任大银行和澳大利亚的监管环境。“广告澳洲联邦银行的商业银行业务主管Mike Vacy-Lyle说存款竞争加剧。数年来第一次有一个真正的机会收益。因此,人们正在利用这一点,”Vacy-Lyle先生说。“我们看到大量的运动对定期存款,在过去12个月增长64%。对存款的竞争正在加剧。” “What happened in the northern hemisphere – certainly what happened with the American banks – simply couldn’t happen here,” Mr Irvine said. “We have to mark to market our banking book, which American banks do not have to do so those unrealised losses simply cannot happen in Australia and APRA doesn’t allow for it.” Mr Irvine said Australian banks are also short deposits, which are lent out, rather than trying to find a home for their deposits with mismatched maturities like in the Silicon Valley Bank downfall. Advertisement “We have more loans than deposits in Australia so again, we don’t have the problem American banks had with these excess deposits that they had to buy bonds with. The economy here and the construct of our banking system is so very different than in North America that what happened there wouldn’t happen here,” he said. While NAB says corporate depositors are holding firm and there are even anecdotal reports of switching into the bigger banks for safety, US small and medium-sized enterprises are looking more closely at where their cash is being kept in view of the maximum deposit guarantee threshold. CEO and founder of US-focused fintech Trovata, Brett Turner, said there had been an uptick in small and medium sized companies moving deposits to different banks to manage risks like larger companies and multinational corporations already do. Trovata is a fintech backed by banks including JPMorgan, Wells Fargo, Capital One and NAB Ventures, that allows companies to manage their cashflow and working capital by seeing their accounts across different banks. Mr Turner said $US2 billion to $US3 billion of the $US125 billion in its 200-odd customers’ accounts – and some of Trovata’s own corporate accounts – was caught up in SVB, with many start-ups now looking much more carefully at managing deposit risk. “We promote multi-bank, that’s what we do on our platform and we’re also multi-bank ourselves, so we didn’t obviously have all of our eggs in one basket,” Mr Turner said. “Obviously some customers did and they’re kind of learning to traverse through the new landscape.” Mr Turner said big US and multinational customers with treasury teams spread their funds across different banks to manage risk by keeping deposits in different institutions and money markets. “Smaller companies typically don’t have the know how, so we’re trying to help with that. We’re trying to make ‘best practice treasury’ in a box,” he said. Ayesha de Kretser is a senior financial services reporter with The Australian Financial Review Connect with Ayesha on Twitter . Email Ayesha at ayesha.dekretser@afr.com.au Save