Deposits are worth more to banks now than at any time in the last 15 years. At the moment, they’re arguably worth more than ever. Yet, few in the industry are celebrating these gains as uncertainty around betas, deposit volumes, and forecasting are dominating mindshare. The Q1 2023 spate of bank failures justified this trepidation and reinforced the need for new deposit management approaches.

Oliver Wyman’s Deposits Team works with leading banks to help drive transparency in understanding their deposit base. This includes establishing accurate forecasts, surfacing and solving the higher rate need of customers, and driving near-term earnings expansion, while setting a foundation for long-term customer needs identification and servicing.

Our multi-disciplinary team is dedicated to serving our clients as they adjust deposit pricing and interest rate management, deposit forecasting, characterization, product management, strategy, value proposition design, and long-term operating models.