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TREASURY-MANAGEMENT5 MIN READ

When a Bank Pushes a Complex Deposit Product

Use BATNA and risk criteria to evaluate a bank product without damaging the relationship.

Iris I Bank relationship manager 1 Criteria 2 BATNA 3 Counteroffer The pitch 20 sec Yield pressure Iris offers a product with 85 basis points more yield, but it requires balance commitments and charges for early exit. The product may improve yield while weakening liquidity and policy clarity. +85bp headline yield pickup 60d balance commitment

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