Research Programs

Deposit Funding & Debt Index

Deposit Funding & Debt Index

East & Partners Deposit Funding and Debt Index provides highly sought after industry benchmarks based on monthly deposit and lending data released by the Australian Prudential Regulation authority (APRA). Capturing trending data across core deposit funding and lending metrics allows unique insights to be derived from East & Partners multifaceted analysis.

A reduced reliance on costlier offshore capital funding and a renewed focus on deposits as the main source of lending growth places Australian banks in a far stronger position than their global peers. This strength allows Australian ADI’s to cope with potential reductions in offshore funding liquidity and adapt to Basel III higher capital requirements faster. The relative success individual banks are achieving in implementing these changes to promote a safer global financial operating environment are quantified in the findings of this report.

Released monthly, the constantly evolving relationship between deposits and loans is captured by: 

  • The ratio of deposit balances / lending balances by bank and market segment
  • Business / Retail deposit volume ratio
  • Business and Retail Market Share - Deposits and Lending
  • Rate Triggers for Deposit Switching
  • Deposit Churn Rates
  • Term Deposit Tenor and On Call versus Term Deposit splits
  • Tied versus Free Deposit Volumes

For more information on this report, or to request a full report profile please contact:

Sian Dowling
Client Services & Development
t: +61 2 9004 7848
e: sian.d@east.com.au


 

Business Deposit Balances / Business Lending Balances by Segment
Bank Ratios