Multiple savepoints

A risky area for banks during a distressed market is the number of maturing time deposits in the near future. It's highly likely that these timed deposits will be withdrawn to make other financial moves by the depositor. RCONHK07 + RCONHK12 stores those maturing in the next three months and RCONHK08 + RCONHK13 stores those expiring between 3 and 12 months.

If the total amounts in these columns are higher than $10 million it can be a drag on available funds to cover withdrawals and would receive a negative rating. Additionally, if there is less than $2 million, it has been shown to be a positive factor.

Within a transaction set FIELD48 to mature+ if total maturing deposits is less than $2 million and set a savepoint matureplus_flag_set.
Set FIELD48 to mature- if total maturing deposits is between $2 million and $10 million then set a savepoint matureminus_flag_set.
Set FIELD48 to mature-- if total maturing deposits is greater than $10 million.
Count all the banks with a positive deposit maturity schedule.

Exercise

Multiple savepoints

Instructions