Current accounts, 43 billion fewer deposits in 2023

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At the end of 2023, 1,153 billion euros were placed in Italians’ current accounts. In one year the total balance fell by 43 billion, 3.6%. This is what emerges from the latest Fabi report on Italians’ accounts according to which Lombardy has the liquidity record with 235 billion (20% of the total), while the South is penalized both in terms of liquidity and returns.

In detail, according to the Fabi Report, with 5,000 euros in the bank account you earn 18.2 euros a year in Trento and Bolzano, 15 euros in Florence, 13 euros in Rome, 11 euros in Milan and Perugia. The same sum, however, yields just 6.5 euros in Naples, 7 euros in Trieste, 8 euros in Catanzaro, Potenza, Genoa and Aosta. The Turin account holders with an annual “collection” of 8.5 euros are slightly luckier.

The banks in Ancona and Cagliari insure 10 euros, half a euro more than Bari, Bologna, Campobasso and Palermo which stand at 9.5 euros. At 9 euros round you can find Venice and Pescara. The interest charged by banks on current accounts – although particularly low, despite the increase in the cost of money brought by the European Central Bank to 4.5% between 2022 and 2023 with 10 increases in 14 months – are not all the same in the country .

“There are – underlines Fabi – large territorial and regional divergences in the returns that banks recognize on their customers’ ‘piggy banks'”. After Lombardy in the lead with 10.5% and 9.2% of the total there are Lazio and Veneto. The ranking then continues with The ranking then continues with: 97.7 billion in Emilia Romagna (8.5%), 90.1 billion in Piedmont (7.8%), 87.7 billion in Campania (7.6%) , 72.9 billion in Tuscany (6.3%), 60.4 billion in Puglia (5.3%), 58.1 billion in Sicily (5.1%), 32.1 billion in Liguria (2.8 %), 30.3 billion in the Marche (2.6%), 28.7 billion in Trentino Alto Adige (2.5%), 26.1 billion in Friuli Venezia Giulia (2.3%), 25.6 billion in Calabria (2.2%), 23.1 billion in Abruzzo (2.0%), 22.7 billion in Sardinia (2.0%), 14.3 billion in Umbria (1.3%). Below 1%, in the bottom trio, are Basilicata with 10.8 billion (0.9%), Molise with 6.1 billion (0.5%) and Valle d’Aosta with 2.7 billion (0.2).

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