Recent trends For all banks (compared with 1992): Fewer total deposits,transaction accounts,and core retail deposits More time deposits (CDs)and equity. ▣Large banks: Fewer transactions accounts,large time deposits and equity More MMDAs,foreign deposits,and other borrowings 爸封强的黄香+孝Recent trends Recent trends † For all banks (compared with 1992): „ Fewer total deposits, transaction accounts, and core retail deposits „ More time deposits (CDs) and equity. † Large banks: „ Fewer transactions accounts, large time deposits and equity „ More MMDAs, foreign deposits, and other borrowings