Magazine : Archives : 2nd Quarter 2013
Too Much Of A Good Thing?
The banking industry is drowning in liquidity. Deposits stuffed into the nation’s banking vaults are overflowing—a record $9.5 trillion as of the fourth quarter. Normally, this would be a good thing. It just so happens that retail banking has rarely been this unprofitable. Banking has been hit with the oxymoron of this age: lots of deposits but little way to make use of them. Few consumers or businesses are clamoring for loans, and interest rates are so low that there is little money to be made in lending. Net interest margins, the profit margin for the banking industry’s basic function...
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