欧洲央行：2024年货币政策传导的国家偶然性报告（英文版）

Sources: iBSI, iMIR and ECB staff calculations. Note: This binned scatter plot shows the relation between bank-level deposit betas (obtained from a regression of the monthly, year-over-year change in average deposit rates on the year-over-year change in DFR between Jan 2022 and December 2023) and a country-level HHI index for the deposit market. The HHI is grouped into 20 equally sized bins, and then the average HHI and Deposit beta is plotted for each bin