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Approaches to deposit pricing: a study in the determination of deposit interest and bank service charges

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  • Tarkka, Juha

Abstract

Table of Contents: 1 Introduction 11 2 Price parameters of the deposit relationship 15 2.1 Dimensions of pricing 15 2.2 The tariff function 18 3 On the historical development of demand deposit pricing 22 3.1 The classical period of deposit pricing 22 3.2 The period of regulated banking 26 3.3 The new competition 30 4 Theories of deposit account pricing 35 4.1 The free competition model 35 4.2 The monopolistic approach 36 4.3 The implicit interest question 39 4.4 The multiproduct approach 43 5 Developing the theory of deposit pricing 45 5.1 Essay I: The risk sharing explanation 46 5.2 Essay II: The tax explanation 48 5.3 Essay III: The price discrimination explanation 49 5.4 Essay IV: Switching costs 51 6 Conclusions 52 References 54 Appendix The deposit account terms offered by a Finnish bank in 1995 59

Suggested Citation

  • Tarkka, Juha, 1995. "Approaches to deposit pricing: a study in the determination of deposit interest and bank service charges," Bank of Finland Scientific Monographs, Bank of Finland, volume 0, number sm1995_002.
    • Handle: RePEc:zbw:bofism:sm1995_002
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    Cited by:

    1. Kemppainen, Kari, 2003. "Competition and regulation in European retail payment systems," Bank of Finland Research Discussion Papers 16/2003, Bank of Finland.

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