That is, even if market rates rise and funding costs increase, loan interest rates will not be raised sufficiently due to intensified competition caused by chronic stresses. Thus, there is a possibility that deposit and lending margins will not improve very much. IV.
First, while DE payment files are exchanged multiple times during a business day, there is usually a considerable delay – often some hours – between when a payment is initiated and the time the funds are available in the beneficiary customer’s account. Payments initiated on weekends and public holidays had to wait even longer until sometime on the next business day.