``As it happens, two FDIC economists recently estimated the funding advantage that too-big-to-fail banks enjoy on deposits. They compared interest rates offered by small and large banks on money-market deposit accounts with balances exceeding the FDIC guarantee, from 2005 through 2010. For banks with assets greater than $100 billion, they found the deposit funding advantage to be worth 0.45 percentage point. For banks with assets greater than $200 billion -- a group that would include all the institutions involved in our calculation -- the advantage came to 1.2 percentage points.''

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