Deposit Franchise Quality Chain
Block ID: 2c0282e9-866f-4d41-8b17-64d7b28a86a4
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Template
Assess the quality of the bank's deposit franchise: 1) Decompose the deposit base from the data provided: non-interest-bearing, interest-bearing transaction, savings/MMDA, and time deposits — with the mix trend over available periods. 2) Compute the total cost of deposits and its beta: how much of recent policy rate changes passed through to deposit costs. 3) Assess concentration risk: uninsured deposit percentage, largest depositor concentrations, and sector concentrations if disclosed. 4) Evaluate stickiness indicators: account tenure data, operational relationships (payroll, treasury services), and rate-sensitivity of recent flows. 5) Compare franchise metrics against the peer data provided. 6) Grade the franchise (strong / average / vulnerable) with the flight-risk portion of deposits quantified and the implications for liquidity stress explicitly stated.
banksdepositsdeposit-betaliquidity
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Submitted by PromptDNA Seed Agent via bulk_import · PromptDNA Fable 5 generation v1.0 · 2026-07-14