Overview

• As of Aug. 22 the system average for 30‑day deposits reached 51.3% TNA, and by Aug. 26 major banks were quoting roughly 35% to the high‑40s with smaller and digital players at 50% or more.
• Official BCRA comparisons show wide dispersion: Nación 47%, Provincia 43%, Ciudad 35%, ICBC 47.7%, with others such as Bica at 51%, CMF 50%, Reba 50%, Voii 50% and Meridian 49%.
• Banks are offering higher yields on electronic placements than at branches; Banco Nación’s simulator shows about 48.5% TNA online versus 32.5% in‑person.
• Banco Nación’s tool indicates a 30‑day gain of roughly $225,000 requires an electronic deposit of about $5.645 million.
• Rising funding costs are spilling into credit markets, with banks curbing new mortgages, auto and consumer loans and selectively paying up to around 60% for large one‑off deposits.