L’euro digitale potrebbe prosciugare fino a 700 miliardi di euro di depositi in una corsa agli sportelli, afferma la BCE
https://www.reuters.com/business/finance/digital-euro-could-drain-up-700-billion-euros-deposits-bank-run-ecb-says-2025-10-10/
di ABoutDeSouffle
11 commenti
>A digital euro could drain up to 700 billion euros ($810.88 billion) in deposits **during a run on commercial banks**, pushing around a dozen euro zone lenders into a liquidity squeeze, a European Central Bank simulation showed on Friday.
>The ECB’s study found that, were there to be an unprecedented run on commercial banks, depositors would withdraw 699 billion euros from euro zone banks to park them in digital euros if a limit on individual holdings was set at 3,000 euros each.
>Under this scenario, which the ECB described as highly unlikely, 13 of the 2,025 banks in the analysis would deplete their mandatory cash buffer, as measured by the Liquidity Coverage Ratio.
So, not during normal times, but if there was a fear of banks going under, people would withdraw and thereby secure as much as they can. Banks hate that.
>Under this scenario, which the ECB described as highly unlikely, 13 of the 2,025 banks in the analysis would deplete their mandatory cash buffer, as measured by the Liquidity Coverage Ratio.
So a nothingburger and sensational headlines?
Money you have in bank account is banks money. My friend went to withdraw 4000€ so he could buy a car from an elderly farmer and he had to explain for 15 minutes why he was using cash instead of bank transfer, etc.
This headline is ridiculous. Suggests that the D€ would inherently lead to a bank run whereas the system has been tested in case of a severe financial crisis.
Whether by european initiative or subservience to american allegedly stablecoins the role of bank as a cash and saving deposit is bound to evolve in any case.
I still don’t get the point of the digital euro.
They need to pay us more for our money.
Nothing matters, everyone is going to love digital euro and the whole world is going to be beautiful (some say).
Does that even matter anymore? The leaverage ratio CET1-Ratio is just 4,5%. Which bank is anywhere near that limit for credit emissions? For the last 15 years the limiting factor for new credit contracts were never the liquidity or deposits, [but always the amount of credit worthy customers](https://www.ecb.europa.eu/stats/ecb_surveys/bank_lending_survey/html/ecb.blssurvey2024q4~e1ddae0f19.en.html). So basically banks maybe go down from 80% leverage ration to 60%, but meh….
[Bank runs](https://en.wikipedia.org/wiki/Bank_run) are pretty much a solved problem. Even if one was triggered somehow, a modern central bank would be able to support the commercial banks as long as necessary for people to realize they shouldn’t have panicked.
here’s a wild idea.
As the ECB demands that banks invested in btc to have it collateralised at 1200%, why not force banks to back all the deposited amounts in a 1 to 1 ratio?
bank runs would then be preventable