Our equilibrium model determines the liquidity premium offered by a monopolistic bank to a pool of depositors made up … agree to pay for it. The explanation combines two factors: the existence of reserve requirements making the bank keen to …

in the percentage of households with deposit accounts. We find that, among households earning $84,000 or less in 1991 … prices, the percentage of households with deposit accounts fell from 90.5 percent in 1977 to 86.5 percent in 1989. For … households earning $12,000 or less, the percentage with deposit accounts fell from 70.3 percent to 59.2 percent. Although changes …

The Reserve Bank has conducted a survey on bank fees each year since 1997. The results of the most recent survey … suggest that banks’ fee income from both households and businesses rose moderately in 2013. However, deposit and loan fees …

bank entities. …

depositors and quality of information distributed in the deposit products market. It defines information asymmetry, the lemon … internal information that is not publicly available. It conducts comparison of ratings of reliability of bank deposits made up … with the use of different sources of information. It marks out main blocks of information about deposit products and …