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US bank deposits to come under pressure again

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Morgan Stanley says that with the signing of the debt deal the US Treasury will issue a huge rollout of T-bills, which could see bank deposits come under pressure all over again:

  • MS sees circa US$1.36 trillion of net T-bill issuance over the rest of 2023
  • $1 trillion of that is to be issued in the coming 4 month
  • suggesting circa $450b of gross outflows over the next four months

Morgan Stanley’s fixed income team says it anticipates that money market funds are unlikely to be major buyers of T-bills, and a slowing of deposits:

  • “A re-acceleration of deposit outflows would end the current intra-quarter bank stock bounce”

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