美国个人储蓄行为分析报告-培训课件外文版2024.4

INDUSTRIES

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MARKETSPersonalsavingsintheUnitedStatesCHAPTER

01OverviewPersonalsavingsasapercentageofdisposableincomeintheUnitedStatesfromJune2015toJanuary2024MonthlypersonalsavingsasashareofdisposableincomeintheU.S.2015-202435%30%25%20%15%10%5%0%3Description:InJanuary2024,thepersonalsavingrateintheUnitedStatesamountedto3.8percent,whichisalowerfigurethanayearearlier.Thepersonalsavingrateiscalculatedastheratioofpersonalsavingstodisposablepersonalincome.WithinthetopicofpersonalsavingsintheU.S.,therearedifferentgoalsandreasonsforsaving.ReadmoreNote(s):UnitedStates;June2015toJanuary2024Source(s):BEA;St.LouisFedMeanandmedianamountofpersonalsavingsintheUnitedStatesfrom2022to2023,bytype(inU.S.dollars)MeanandmedianamountofpersonalsavingsintheU.S.2022-2023,bytype2022202340,00035,36635,00030,00025,00020,00015,00010,0004,5005,00001.225.9MediansavingsbalanceMeansavingsbalance4Description:AsofbetweenApril2022andJune2023,themedianamountofsavingsthatadultshadintheirbalanceintheUnitedStatesdecreasedsignificantly.Theaveragesavingsbalancealsodecreased,accordingtoasurvey.Thereasonforthedisparitybetweenthemedianandmeanvaluesisthattheanswersofthoserespondentswithveryhighsavingsthatdistorttheresultsofthemean,butnotthemedian.ReadmoreNote(s):UnitedStates;2022to2023;2,000respondents;18yearsandolderSource(s):Pollfish;TheMotleyFoolValueofpersonalsavingsintheUnitedStatesfrom1960to2023(inbillionU.S.dollars)PersonalsavingsintheU.S.1960-20233,0002,5002,0001,5001,00050001960

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20235Description:PersonalsavingsintheUnitedStatesreachedavalueof911billionU.S.dollarsin2023,whichissignificantlyhigherthanin2022.Personalsavingspeakedin2020atnearly2.7trillionU.S.dollars.Thosefiguresremainedveryhighuntil2021.TheexcesssavingsduringtheCOVID-19pandemicintheU.S.andothercountrieswerethemainreasonforthatincrease,asthemeasuresimplementedtocontainthespreadofthevirushadanimpactonconsumerspending.

ReadmoreNote(s):UnitedStates;1960to2023Source(s):BEA;St.LouisFedValueofsavingsdepositsandothercheckabledepositsintheUnitedStatesfromMay2020toDecember2023(intrillionU.S.dollars)SavingsandothercheckabledepositsintheU.S.2020-202314.013.513.012.512.011.511.010.510.06Description:Inmid-2023,thevalueofsavingsdeposits,andothercheckabledepositsamountedtoapproximately11trillionU.S.dollars.Amongthedifferenttypesofdepositsincludedinthisdata,savingsdepositsarethemostpopular.Until2020,thevalueofsavingsdepositsintheUnitedStatesamountedtonearly11trillionU.S.dollarsbyitself.Afterthat,thesourcecombinedthatdatawiththatforothertypesofdeposits.ReadmoreNote(s):UnitedStates;May2020toDecember2023Source(s):FederalReserve;St.LouisFedAmountofmoneysavedinsavingsaccountsintheUnitedStatesasofJuly2023AmountofmoneysavedinsavingsaccountsintheU.S.2023Shareofrespondents15%0%5%10%20%25%30%35%0U.S.dollars1to500U.S.dollars11%30%501to1,000U.S.dollars1,001to5,000U.S.dollars5,001to10,000U.S.dollars10,001to20,000U.S.dollarsOver20,000U.S.dollars8%8%22%7%14%7Description:NearlyhalfofpeopleintheUnitedStateshad1,000U.S.dollarsorlessintheirsavingaccounts.Meanwhile,14percentofrespondentshadatleast20,000U.S.dollarsintheirsavingsaccounts,and22percentwithamountsbetween1,001and5,000U.S.dollars.ReadmoreNote(s):UnitedStates;July19,2023;2,000respondents;18yearsandolderSource(s):Pollfish;TheMotleyFoolGrosssavingsasshareofgrossdomesticproduct(GDP)intheUnitedStatesfrom1970to2021GrosssavingsasshareofGDPintheU.S.1970-202124.5%22.5%20.5%18.5%16.5%14.5%12.5%8Description:ThegrosssavingsoftheUnitedStatesrepresentedover18percentofitsGDPin2021.Despitesomefluctuations,thesavingsratewasonadownwardtrenduntil2009.In2015,thegrosssavingsratereacheditshighestvaluesince1998.ThevalueofgrosssavingsasashareoftheGDPhasfallenin2021.ReadmoreNote(s):UnitedStates;1970to2021Source(s):WorldBankCHAPTER

02HouseholdsavingsValueofhouseholdsavingsintheUnitedStatesfrom2000to2022(inbillionU.S.dollars)HouseholdsavingsintheU.S.2000-20223,0002,5002,0001,5001,00050002000

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202210Description:TheoverallvalueofhouseholdsavingsintheUnitedStatesdecreasedalotin2023,afteritreachedvaluesofwellovertwotrillionU.S.dollarsin2020and2021.Householdsavingspeakedin2020,whentheyamountedto2.7trillionU.S.dollars,whichwasaverystrongincreasecomparedtothepreviousyear.ThepersonalsavingsasashareofdisposableincomeintheU.S.alsopeakedin2020and2021.

ReadmoreNote(s):UnitedStates;2000to2022Source(s):BEA;St.LouisFedValueofassetsheldbyhouseholdsandnonprofitorganizationsintimeandsavingsdepositsintheUnitedStatesfrom2000to2022(intrillionU.S.dollars)TimeandsavingsdepositsofhouseholdsandnonprofitorganizationsU.S.2000-20221210864202000

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202211Description:TheassetsheldbyhouseholdsandnonprofitorganizationsintimeandsavingsdepositsintheUnitedStatesdecreasedin2022.Inthepastyears,thevalueofthesetypesofdepositsintheU.S.hassoared,fromoversixtrillionU.S.dollarsin2008towellover11trillionU.S.dollarsin2021.ReadmoreNote(s):UnitedStatesSource(s):FederalReserve;St.LouisFedPercentageofhouseholdsthatsavedintheUnitedStatesinselectedyearsfrom2001to2022,byethnicityShareoffamiliesthatsavedintheU.S.2001-2022,byethnicityWhitenon-HispanicBlackorAfricanAmericannon-HispanicHispanicorLatinoOtherormultiplerace65%60%55%50%45%40%35%2001200420072010201320162019202212Description:In2022,approximately59percentofallhouseholdsintheUnitedStatessavedmoney.However,theshareofAmericanfamiliesthatmanagetosavevariedsignificantlyaccordingtotheirethnicity.Whitenon-Hispanichouseholdsappearedtobethemostlikelytosave(60.2percent),whereasHispanicorLatinohouseholdsweretheleastlikelytosave(40.3percent).ReadmoreNote(s):UnitedStates;2001to2022Source(s):FederalReserveShareofhouseholdsthatsavedmoneyintheUnitedStatesfrom2004to2022,byworkstatusoffamilyheadShareoffamiliesthatsavedintheU.S.2004-2022,byworkstatus200420072010201320162019202280%70%60%50%40%30%20%10%0%WorkingforsomeoneelseSelf-employedRetiredOthernotworking13Description:TheshareofAmericanfamilies,inwhichthefamilyheadwasself-employed,thatmanagedtosavemoneydecreasedbetween2019and2022.Self-employedhouseholdswerethemorelikelytosavethanthoseinotherworkstatus.Forfamiliesinwhichthebreadwinnerwasretired,51percentmanagedtosavemoneyinthesameyear.ReadmoreNote(s):UnitedStates;2004to2022Source(s):FederalReserveShareofhouseholdsholdingsavingsbondsintheUnitedStatesfrom2007to2022,byageoffamilyheadShareoffamilieswithsavingsbondsintheU.S.2007-2022,byageoffamilyheadLessthan3535-4445-5455-6465-7475orolder20%18%16%14%12%10%8%6%4%2%0%20072010201320162019202214Description:Between2007and2022,theshareoffamiliesholdingsavingsbondsintheUnitedStatesdecreasedsignificantly.Inparticular,amonghouseholdsinwhichthefamilyheadwasbetween45and54yearsofagetheshareofsavingsbondsholdersdroppedfrom19percentin2007toapproximately6.8percentin2022.Asimilartrendcanbeobservedfornearlyallagegroups.ReadmoreNote(s):UnitedStates;2007to2022Source(s):FederalReserveFinancialinstrumentsandaccountsownedbychildrenintheUnitedStates2022FinancialinstrumentsownedbychildrenintheU.S.2022Shareofrespondents15%

20%0%5%10%25%30%35%40%45%SavingsaccountPiggybank39%29%CheckingaccountPayPal20%18%17%CreditcardSavingsbonds12%CertificateofdepositVenmo7%7%Stocks6%6%MutualfundsofETFsCryptocurrency/digitalassets5%15Description:In2022,approximately39percentofchildrenfromeighttofourteenyearsoldownedasavingsaccountintheUnitedStates.Oneoftheleastpopularfinancialinstrumentsforchildrentoownwerecryptocurrenciesanddigitalassetsataroundfivepercent.Meanwhile,29percentofchildrenhadpiggybanks.Whenfocusingontheirparents,401(k)planswerethemostpopulartypeofretirementsavingsaccountsintheU.S.ReadmoreNote(s):UnitedStates;January7toFebruary3,2022;2,138respondents;parentsofchildrenaged8-14Source(s):T.RowePriceCHAPTER

03CollegesavingsShareofhouseholdssavingforcollegeintheUnitedStatesfrom2020to2022,byageofheadofhouseholdHouseholdssavingforcollegeintheU.S.2020-2022,byageofhouseholdheadYoungerthan3535to4445to5426%55to6465orolder35%30%25%20%15%10%5%29%28%27%24%24%23%20%20%15%14%14%13%12%11%0%20202021202217Description:TheheadofoveraquarterofhouseholdsthatweresavingforcollegeintheUnitedStatesin2022wereyoungerthan35yearsold.Inthesurveysdoneinpreviousyears,mostoftheheadsofhouseholdsavingforcollegeweresomewhatolder.Therewasneverthelessacertainamountofpeoplesavingforcollegeaftertheywere65yearsold.ReadmoreNote(s):UnitedStates;2020to2022Source(s):ICITotalEducationtaxsavingsforcollegestudentsandtheirparentsacrosstheUnitedStatesfrom2002/2003to2022/2023(inbillion2022U.S.dollars)TotalEducationtaxsavingsforcollegestudentsU.S.2002-20232523.48201510517.415.7714.6213.6312.2910.749.5302002/20032012/20132017/20182018/20192019/20202020/20212021/20222022/2023*18Description:Inthe2022/23academicyear,itisestimatedthetotalamountofeducationtaxsavingswas10.74billion2022U.S.dollars.Thisisadecreasefromthe23.48billion2022U.S.dollarsineducationtaxsavingsinthe2012/2013academicyear.

ReadmoreNote(s):UnitedStates;2002/2003to2022/2023;*Preliminaryvalue.ReadmoreSource(s):CollegeBoard;InternalRevenueServiceAssetsofsection529savingsplanintheUnitedStatesfrom2009to2022(inbillionU.S.dollars)Assetsofsection529savingsplanintheU.S.2009-2022600500400480.4425.2411371.5319.1311.2300275.1253.2247.7227.1190.72001000164.92011157.42010133.420092012201320142015201620172018201920202021202219Description:Theassetsofsection529savingsplansintheUnitedStatesdecreasedby69billionU.S.dollarsin2022.Bytheendof2018,thoseassetshadatotalvalueof311billionU.S.dollars.The529planisatax-advantagedcollegesavingsplandesignedtoencouragefamiliesandindividualstosaveforfutureeducationexpenses.ReadmoreNote(s):UnitedStates;2009to2022Source(s):529CollegeSavingsPlansAveragebalanceof529collegesavingsaccountsintheUnitedStatesfrom2016to2022(inU.S.dollars)529collegesavingsaverageaccountbalanceintheU.S.2016-202235,00030,31830,00027,88425,94625,84124,08725,00020,00015,00010,0005,000022,59021,502201620172018201920202021202220Description:Theaveragebalanceof529savingsaccountsintheUnitedStatesfellsignificantlyin2022,afterseveralyearsofrisingsavingsaccountbalancesbetween2017and2021.In2022,thatbalancereachedavalueofover25,800U.S.dollars.

ReadmoreNote(s):UnitedStates;2016to2022Source(s):AscensusCHAPTER

04RetirementsavingsShareofadultswithanyretirementsavingsintheUnitedStatesfrom2021to2022,byagegroupAdultswithanyretirementsavingsintheU.S.2021-2022,byagegroup20212022100%90%88%87%84%81%80%70%60%50%40%30%20%10%0%75%72%62%57%18-29years30-44years45-59years60yearsorolder22Description:In2022,88percentofU.S.citizenswhowere60yearsoldorolderhadsometypeofretirementsavings.Thisinformationcanbeinterpretedbythenumberofpeopleinthatagegroupwithoutanyretirementsavings,whichamountedto12percent.Theshareofindividualswithretirementsavingswaslowerintheyoungeragegroups,andamongadultsfrom18to29yearsold,just57hadretirementsavings.

ReadmoreNote(s):UnitedStates;2021to2022;11,775respondents;18yearsandolderSource(s):FederalReserveOpiniononstateofretirementsavingsintheUnitedStatesin2022,byethnicityOpinionofAmericansonstateoftheirretirementsavings2022,byethnicityWhite84%BlackHispanicAsianOverall90%80%70%60%50%40%30%20%10%0%80%72%60%56%38%37%31%22%20%AnyretirementsavingsPerceiveretirementsavingsasbeingontrack23Description:In2022,56percentofHispanicrespondentsintheUnitedStatesreportedthattheyhadsomeretirementssavings,makingthemthegroupwiththelowestrate.Incontrast,80percentofwhitepeopleintheU.S.hadanyretirementsavings,withasignificantamountofthemsayingthattheirretirementsavingswereontrack.Roughly22percentofblackpeoplesaidthattheirsavingswereontrack.ReadmoreNote(s):UnitedStates;OctobertoNovember2022;11,667respondents;amongnon-retireesSource(s):FederalReserve;IpsosConfidenceinprogresstowardretirementgoalsforindividualsintheUnitedStatesin2023,byrespondenttypeConfidenceinprogresstowardretirementgoalsforindividualsintheU.S.2023PortionofsurveyrespondentsNocompanyretirmentplan(401k)Women&non-binary25%

30%All0%5%10%15%20%35%40%45%50%55%13.7%Veryconfident/exceedinggoalsConfident/ontrack8.7%13.3%25.1%24.9%21.6%30.4%27.9%UnsurehowIamtrackingNotconfident/behindgoals21.5%33.3%48.2%31.4%24Description:In2023,lessthan12percentoftheparticipantsinasurveywereontracktomaxouttheirretirementcontributions.Whilemanypensionplansworldwidehavenocontributionlimit,intheU.S.,theIRS(InternalRevenueService)setsamaximumlimitoncontributionsmadeto401(k)plansbyanindividualandtheiremployereveryyear.ReadmoreNote(s):UnitedStates;October2023;738respondents;18yearsandolderSource(s):PublicHouseholdretirementsavingsintheUnitedStatesfrom2020to2022,byamountHouseholdretirementsavingsintheU.S.2020-2022,byamountShareofhouseholds100,000to250,000U.S.dollars

50,000to100,000U.S.dollars1,000to5,000U.S.dollars250,000U.S.dollarsormore10,000to25,000U.S.dollarsNotsure25,000to50,000U.S.dollarsNone5,000to10,000U.S.dollarsDeclinetoanswer0%20%40%60%80%100%120%20202021202225Description:Roughly29percentofAmericanshadhouseholdretirementsavingsreaching250,000U.S.dollarsormorebytheendof2022.Meanwhile,ninepercentofrespondentsstatedtonothaveanyhouseholdretirementsavingsatall.Theshareofpeoplewithretirementsavingsrangingfrom100,000to250,000U.S.dollarshasdecreasedbetween2020and2022.

ReadmoreNote(s):UnitedStates;2020to2022;5,725respondents;18yearsandolder;Full-timeorpart-timeinafor-profitcompanyemployingoneormoreemployeesSource(s):HarrisPoll;TransamericaCenterforRetirementStudiesValueofassetsinvestedinindividualretirementaccounts(IRAs)intheUnitedStatesin2022,bytype(intrillionU.S.dollars)ValueofassetsinvestedinIRAsintheU.S.2022,bytype141211.59.71086421.10TraditionalIRARothIRAAnyIRA26Description:Mostoftheassetsofindividualretirementaccounts(IRAs)intheUnitedStateswereplacesintraditionalIRAsasof2022.Thatyear,anestimatedvalueof11.5trillionU.S.dollarswasinvestedinIRAs,ofwhichroughly9.7trillionU.S.dollarswereinvestedintraditionalIRAs.ReadmoreNote(s):UnitedStates;2022Source(s):ICIProbabilityofoutlivingsavingsintheUnitedStatesfrom2020to2023ProbabilityofoutlivingtheirsavingsintheU.S.2020-2023202018%20212022202325%20%15%10%5%22%21%20%19%

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18%17%17%17%16%15%15%13%11%10%9%9%8%8%7%7%0%1-25%26-50%51-75%76-99%100%Don'tknowLikelyhoodofoutlivingsavings27Description:In2023,overatenthofAmericanswerecompletelysurethattheywouldoutlivetheirretirementsavings.Whiletheshareofpeoplethatwereverylikelytooutlivetheirsavingshasdecreasedslightlybetween2021and2023,theshareofthosethatwerecompletelysurethattheywouldoutlivetheirsavingsincreasedbythesameamountduringthatperiod.ReadmoreNote(s):UnitedStates;2020to2023;2,740respondents;18yearsandolderSource(s):HarrisPoll;NorthwesternMutualLeadingchallengesofindividualssavingforretirementintheUnitedStatesin2023,byrespondenttypeLeadingchallengesofindividualssavingforretirementintheU.S.2023ShareofsurveyrespondentsNocompanyretirmentplan(401k)

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40%All50%60%70%80%73.4%90%Knowingwhichfund/investmenttypesbestsuitpersonalgoalsHavingthemeans(cash)tocontributemeaningfully78.1%74.8%76.8%73.2%73.6%54.8%UnderstandinghowmuchmoneyIwillneedbasedonretirementdateBeingconsistentwithmyretirementcontributions57.9%63.4%52.9%42.6%48.5%42.6%Lackingknowledgerelatingtoretirementproductsandhowtheywork50.3%39.7%28Description:In2023,themainchallengefacingAmericanstryingtosaveforretirementwasbeingabletomakemeaningfulinvestments.AccordingtoasurveycarriedoutinOctober2023,roughly77percentofindividualswhodidnothaveaccesstoaretirementplanfromtheiremployerfelttheydidnothaveenoughcashtocontributetotheirretirementsavings,while78percentofwomenandnon-binaryindividualssurveyedfelttheywereunsureaboutwhatinvestmentsbestsuitedtheirindividualgoals.

ReadmoreNote(s):UnitedStates;October2023;738respondents;18yearsandolderSource(s):PublicCHAPTER

05SavingpracticesDriversforsavingamongfamiliesintheUnitedStatesfrom2010to2022ReasonswhyfamiliessavedintheU.S.2010-2022ShareofrespondentsLiquidityRetirementPurchasesForthefamilyInvestmentsEducationNoparticularreasonBuyingownhomeWhenaskedforareason,reportnottosave0%10%20%30%40%50%60%70%80%90%100%2010201320162019202230Description:In2022,themostcommonreasonforfamiliesintheUnitedStatestosavewashavingliquidity.Meanwhile,theshareofU.S.familiessavingforretirementandeducationhasdecreasedslightlybetween2019and2022.Only1.5percentoffamiliessaidthattheydidnothaveanyparticularreasonforsaving.ReadmoreNote(s):UnitedStates;2010to2022Source(s):FederalReserveGoalsinNewYear'sfinancialresolutionintheUnitedStatesasofNovember2022GoalsinNewYear'sfinancialresolutionintheU.S.2022Shareofrepondents10%0%Payingoffdebt5%15%20%25%22%Savingforasignificantfinancialmilestone*BuildinganemergencysavingsfundIncreasingtheirincome16%8%11%Savingforalargepurchase*Reducingtheirspending12%7%8%InvestingmoreBuildingbetterfinancialhabitsSavingforretirement5%7%Increasingyourcharitablecontributions1%31Description:AsofNovember2023,mostNewYear'sfinancialresolutionsintheUnitedStatesinvolvedpayingoffdebt.Accordingtoasurvey,approximately16percentofrespondentsweresavingforanimportantfinancialmilestone,suchaspurchasingacarorahome.Someoftheotheranswersbyrespondentswereaboutsaving,increasingtheirincome,investing,orothereconomicandfinancialgoals.ReadmoreNote(s):UnitedStates;November2023;2,000respondents;18yearsandolder;*Significantfinancialmilestonesincludepurchasingacarorahome,havingachild,wedding,etc.Meanwhile,largepurchasesincludevacations,TV,phone,furniture,[...]

ReadmoreSource(s):TheMotleyFoolFactorsthatareholdingbacknon-homeownersfromsavingforadownpaymentonahomepurchaseintheUnitedStatesin2022FactorsthatareholdingbackAmericansfromsavingforadownpayment202240%36%35%34%35%30%25%20%15%10%5%29%29%25%15%0%ChildcareexpensesHealthcarecostsCreditcarddebtHighrent/currentmortgagepaymentCarloanStudentLoansOther32Description:In2022,childcareexpensesheldback36percentofnon-homeownersfromsavingforadownpaymentforahomepurchaseintheUnitedStates.Otherfactorsholdingbackasignificantportionofnon-homeownersfromsavingforadownpaymentwerehealthcarecostsandcreditcarddebt.ReadmoreNote(s):UnitedStates;July2022;5,795respondents;Primaryresidencebuyers;realestatepurchasedbetweenJuly2021andJune2022Source(s):NationalAssociationofRealtorsFactorsholdingbackhomebuyersfromsavingforadownpaymentintheUnitedStatesin2022,byagegroupMajorobstaclestosavingforadownpaymentamongAmericanhomebuyers2022,byageAllBuyers24to3233to4243to5758to6768to7670%60%50%40%30%20%10%0%ChildcareexpensesHealthcarecostsCreditcarddebtHighrent/currentmortgagepaymentCarloanStudentLoansOther33Description:ChildcareexpenseswerethebiggestobstacledelayingAmericanhomebuyersfromsavingforadownpayment,aJuly2022surveyamongrecenthomebuyersfound.About13percentofrespondentsfoundsavingforadownpaymentwasthemostchallengingpartoftheprocess,withoveronethirdpointingoutchildcareexpensesastheleadingreason.Meanwhile,theyoungestgroupofhomebuyersreportedstudentloansandcreditcarddebtasthebiggestobstacles.

ReadmoreNote(s):UnitedStates;July2022;4,854respondents;Primaryresidencebuyers;realestatepurchasedbetweenJuly2021andJune2022Source(s):NationalAssociationofRealtorsShareofpeoplewhowoulduseselectedmethodstocovera1,000U.S.dollaremergencybillintheUnitedStatesinDecember2023Emergencybill:savings,creditcard,borrowvspersonalloanU.S.202350%44%45%40%35%30%25%20%15%10%5%21%16%10%4%0%PayfromsavingsUsecreditcardandpayovertimeReducespendingonother

BorrowfromfamilyorfriendsthingsTakeapersonalloan34Description:AsofDecember2023,44percentofpeopleintheUnitedStatesrespondedthattheywouldcoveranemergencybillof1,000U.S.dollarsfromtheirsavings,while25percentwouldhavetouseacreditcardortakeapersonalloan.

ReadmoreNote(s):UnitedStates;December15to17,2023;1,036respondents;18yearsandolder;26respondentswereinterviewedinSpanish,30surveysbytelephoneSource(s):BankrateDistributionofcheckingorsavingscomplaintsreportedtoConsumerFinancialProtectionBureauintheUnitedStatesin2022BankaccountandservicecomplaintsreportedCFPBintheU.S.202270%61%60%50%40%30%20%13%11%11%10%0%4%0.5%ManaginganaccountClosinganaccountOpeninganaccountProblemwithalenderor

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Problemwithacreditothercompanychargingyouraccountfundsbeinglowreportorcreditscore35Description:Asof2022,thelargemajority,61percent,ofthebankaccountandservicecomplaintsreportedtotheConsumerFinancialProtectionBureau(CFPB)intheUnitedStatesconcernedproblemsinmanaginganaccount.Problemsinclosinganaccountfollowed,accountingfor13percentofcomplaintsreceivedaboutbankaccountsbytheConsumerFinancialProtectionBureauin2023.ReadmoreNote(s):UnitedStates;January1toDecember31,2022;38,600complaintsSource(s):ConsumerFinancialProtectionBureauCHAPTER

06ImpactoftheeconomyonsavingsAnnualpercentageyield(APY)onsavingsaccountsofselectedbanksandfinancialserviceprovidersintheUnitedStatesasofMarch2024InterestratesofsavingsaccountsinselectedbanksintheU.S.2024Interestrate0%1%2%3%4%5%6%BrioDirectTABBankEverBank5.35%5.27%5.15%5.07%5.05%PrimisBankCITBankCIBCBankUSALendingClub5.01%5%MarcusbyGoldmanSachsSallieMaeBankQuonticBank4.5%4.5%4.5%AmericanExpressNationalBankCapitalOne,NABarclaysBank4.35%4.35%4.35%ChaseBankBankofAmerica0.01%0.01