Re: O/t, banks and their cost of deposits,

The week's question

In March 2025, in the thread "Re: OT, out", Umm asked the members: "Do you think it is because America is made up of magical soil that makes businesses based in America magically profitable?" This week it is put to everyone again. The button below opens the small thread re-asking it - read what others have said so far, then give your own answer as an ordinary reply.

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Good morning, no, not just promotions to attract new accounts but for adding to existing accounts as well. Even at say a Schwab account, their mmf yields say 4.3, .50 less than say vanguards mmf, but, that's close enough to keep the money in house at Schwab. Several friends have, substantial accounts, at firms I never did business with. How do banks make money paying 4.3 for deposits when lending is so tight? For how long will t bill rates be this high?

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