This BCG whitepaper highlights how banks must adapt deposit management amid higher interest rates and tighter liquidity. It proposes a proactive strategy using elasticity modeling to segment clients by rate sensitivity and value, then tailoring offers—from simple updates for low-value, low-elasticity clients to premium packages for high-value, high-elasticity ones. This approach balances CRO concerns about stability, CFO focus on volumes, and retail heads’ profitability goals. With digital tools enabling easy switching, proactive strategies—supported by data, early warning systems, and segment-specific outreach—are key to liquidity resilience.

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