State of
U.S. Deposits

Join us to close out the year strong and prepare for 2025 with the final installment of the state of U.S. deposits webinar series where you will hear the latest consumer and small business deposit industry trends. To help financial services leaders navigate current market conditions, BAI Research leverages insights from financial services leaders and an industry-leading data network.

In this presentation, informed by BAI's latest consumer and small business weekly deposit data and our team of industry analysts, we will address the latest trends in deposits and what we expect to unfold this year and into 2025.

Join us and your peers for the latest data and implications to these critical questions:

• What are the latest trends and shifts in consumer and small business deposit activities?
• What is driving these changes?
• How do they vary by segment and bank size?
• How will deposit trends impact how banks serve the consumer and small business markets through the end of the year and into 2025?

PRESENTERS:

Tom Hoscheidt
Managing Director, Research
BAI

Tom is a seasoned veteran in the financial services industry, with over 40 years of experience focusing on research and competitive benchmarking. For the past two decades, he has played a vital role as managing director within BAI's research department and served as a lead architect of BAI's consumer and business benchmarking programs. Presently, Tom channels his expertise into Thought Leadership, New Product Development, and Client Relationship Management. A trusted industry speaker, Tom shares his insights at prestigious events including, BAI's quarterly State of Deposits webinar, leading Deposit Pricing Conferences, and Industry Insights presentations to CBA's Deposit and Payments Committee.

Isio Nelson
Managing Director, Research
BAI

Isio Nelson is Managing Director for BAI Research. In his role he leads the product, data management and analytics, and client engagement teams. Isio joined BAI in 2020 as Head of Client Engagement for BAI Research. Prior to joining BAI, Isio led multiple teams and business units at Equifax, Citi, Capital One and a startup Fintech provider. He received an M.B.A from the Kellogg Graduate School of Management at Northwestern University and a B.S. in Business Operations Management from Devry Institute of Technology.