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The article discusses that commercial banks can offload a large part of their interest rate risk exposure. Following monetary policy tightening shocks, bank profit margins typically decline. The stability of bank profit margins is achieved in part via relatively large deposit outflows and asset reallocations within the financial system. After a monetary tightening, liquid deposits flow out of the regulated banking system, allowing money market funds to grow.

Surges of foreign investment into developing countries can amplify economic stress and potentially undermine their financial stability. New evidence suggests that excessive foreign capital inflows can also increase income inequality in emerging economies. Research shows that, as low global interest rates trigger more investment, those inflow surges benefit entrepreneurs by raising their returns, while lowering household earnings on bank deposits within the countries. The potential impact on income inequality provides another reason beyond financial stability for resisting abrupt surges in capital inflows. [ABSTRACT FROM AUTHOR]

With the smaller banks facing more scrutiny and instability, it is likely that many large account holders (whose accounts are higher than the FDIC-insured limits) will move to those larger banks. Just like any other bank, SVB pays a low interest rate on those savings and checking accounts and then lends the money out for longer-term loans. Many physicians are concerned and seeking advice on whether to move money from local banks to larger banks. [Extracted from the article]

The State Bank of Pakistan's (SBP) BSC Islamabad office organised an awareness session in the Federal Urdu University of Sciences and Technology to create awareness regarding Islamic Banking. At the end of 2021, the Islamic banking share reached 18.6% of the banking sector's assets compared to 12.4% at the end of 2017 and 19.4% of deposits compared to 14.5% at the end of 2017: 14.5% The SBP is now targeting the Islamic banking sector to contribute 30% to the overall banking industry assets and deposits by 2025. Net investments of the Islamic banking industry registered an increase of Rs84b during the period under review and stood at Rs1.35tr by the end of Mar 2021. [Extracted from the article]

"Large-value payment systems are usually owned and operatedby central banks, whereas retail payment systems are ownedand operated by central banks or private institutions. Asthis is a major evolution of money and the way people maketheir payments, central banks are cautious about CBDCs'successful adoption and its potential impact on the widerfinancial system. The long-lived reliance on central bankmoney (central banks' cash and banks' reserve deposits atthe central bank) and commercial bank money (public bankdeposits) was questioned after the 2007-2008 greatfinancial crisis. [Extracted from the article]

El artículo presenta la reimpresión de un texto del contable Jorge Pérez Ramírez presentado en el III Encontro Técnico Banco Central do Brasil-Banco de España, celebrado en Río de Janeiro, Brasil, del 7 al 10 de mayo de 2013. Los temas tratados incluyen la consolidación contable como estimación del capital regulatorio de un grupo bancario, el capital como medida de protección de los depósitos y el Acuerdo de Basilea III en relación con las medidas de supervisión de la industria bancaria.

The article presents numbers-related trivia including the 33 percent of working age Australians that are out of work, the 52 percent of bank funding coming from deposits, and the 30 billion dollar currency swap deal between Australia and China.

The article presents an overview of the Canadian banking system. Reported as being conservative, the country's banking institutions have been praised for their stability and avoidance of massive bailouts that are reported in the U.S., Great Britain, and other countries. Reasons cited include avoidance of risky financial investments, and focusing on gathering deposits and lending. Paul Volcker, who sits on U.S. President Barack Obama's Economic Recovery Advisory Board, is quoted as suggesting the Canadian system as an ideal one the U.S. should emulate.

Banks in the United States have the potential to increase liquidity suddenly and significantly--from $12 trillion to $36 trillion in currency and easily accessed deposits-- and could thereby cause sudden inflation. This is possible because the nation's fractional banking system allows banks to convert excess reserves held at the Federal Reserve into bank loans at about a 10-to-1 ratio. Banks might engage in such conversion if they believe other banks are about to do so, in a manner similar to a bank run that generates a self-fulfilling prophecy. Policymakers could guard against this inflationary possibility by the Fed selling financial assets it acquired during quantitative easing or by Congress significantly raising reserve requirements. [ABSTRACT FROM AUTHOR]

Focuses on the economic condition of Ukraine as of July 2005. Increase in budget revenues from January to May; Decline in the interest on deposits in the Ukranian banking system; Expected growth of the economy according to economists.

Reports the trends in the concentration of bank deposits in the U.S. Effects of the consolidation and liberalization of interstate banking on the industry structure; Impact of bank mergers and acquisitions on the local banking markets; Concentration in the local bank markets.

El artículo enfoca en la protección de depósitos bancarios en Alemania. Su protección de depósitos es resultado de diferentes Fondos de seguro de depósitos que corresponden a los tres tipos de bancos universales--la privada, las cajas de ahorro y la cooperativa. Se hablan de las diferentes niveles de protección de depósitos. Se habla de la Directiva Europea y el Banco Central Europeo.

Se presenta un informe presentado por el Banco Internacional de Reconstrucción y Fomento en 1983 que presenta información sobre los recursos financieros del Banco Mundial en el año fiscal 1982-1983. Se utilizó como punto de partido un cuadro que acompañó el balance general del Banco Mundial denominado "Informe sobre los cambios en posición financiera". Se discuten los temas del programa de colocaciones, el ingreso neto, otros rubros de ingresos, política de liquidez y el capital del Banco.

El artículo discute la reglamentación y función del encaje legal. Se observa cómo los países industriales utilizan el encaje legal como un instrumento de la política monetaria. Se menciona los mecanismos principales del encaje legal, como el manejo de tipo de activos de reserva en el banco central. Las reservas constituye de los depósitos y títulos sometidos. El artículo examina el funcionamiento del encaje legal en 17 países que incluyen Alemania y Japón.

The article presents the 2013 operations report of the Federal Reserve Bank of Minneapolis. Highlights include the amount of currency deposits from financial institutions, the number of transactions for the 50 million investors who hold 172 billion dollars in U.S. Savings Bonds, and the number of 240,000 customer support calls.

The article focuses on the business strategy of Australia and New Zealand (ANZ) Banking Group Ltd., chief executive officer (CEO) Mike Smith. It states that Smith has decided to venture in Asia during the global economic recession because of the growing customers in the continent. Smith's venture in Asia has won him admiration for picking up 2.1 million customers, 8.9 million dollars worth of deposits, and 54 branches.

The article discusses that since 17 July 2017, Banks have been able to close dormant bank accounts by depositing the account balance into a central fund. It mentions the Dormant Bank Accounts Law 2017 is fully in force, specifically as to the responsibilities of the Chief Minister; and also mentions where a Jersey bank has lost contact with a customer it must maintain the customer's deposit account.

Se discute la descentralización de depósitos dentro del Banco Central de la República Argentina. La ley 21.495 contiene varios artículos sobre el proceso de reorganización nacional. El primer artículo de la ley dice que El Poder Ejecutivo del Banco Central restituirá los depósitos recibidos de las instituciones financieras al cierre de las operaciones del día.

Investigates a possible link between shifting age structure and decline of bank deposits in the United States. Measurement of households' financial assets; Link between increased share of stocks and bonds with upward shift of age profile; Contribution of changes in computer technology and telecommunications to a decline in non-deposit investments.

The article reports that BlackRock investment house is pushing a global message for investors to take risks as longer life spans and uncertain returns can lead to people outliving their money. Low or negative returns on cash deposit is presented to destroy purchasing power, lower economic growth, and reduce government ability to reinvest. Focusing on generating income within one's portfolio, and diversification by holding different assets classes are suggested.

The article discusses the frozen mortgage funds in Australia as of July 2011. It states that these used to be viable investments but without the same backing given by the government to bank deposits. It reports that in 2008, however, due to the global financial crisis, the government froze the funds to prevent them from being dumped back into the market, further depreciating the already devalued property market. While a temporary measure, it claims it will be a while before they are released.

The article reports on developments concerning term deposits in Australia as of September 2010. It discusses the prevailing interest rates for term deposits and the possibility that term-deposit rates may rise further if official interest rates increase in 2010 or 2011. BT Investment Management head of global macro strategy Joe Bracken explains the advantages of investing in term deposits.

The article explores the reemergence of bank deposits which have become competitive since the global financial crisis. The main advantages of bank deposits include their being stable, secure and easily accessed. Keeping money in the bank offers more low-risk, rewarding solution. In Australia, the National Australia Bank subsidiary UBank offers the highest interest rate in the country with 6.51 percent. Adam Beu of Canstar Cannex states that some banks continue to offer high interest rates to keep up with competitors.

The article discusses the Australian banks' deposit performance which is affected by the global financial crisis. It tells that regional banks along with credit unions are dependent on their deposit. It states that analysts and bankers agree with the favorable pricing on deposits. Meanwhile, it presents a table from Melbourne Institute about the assets where households invest new savings, in which banks, credit unions or building society earn the highest share.

The article reports on the reliance of businesses on deposits from credit unions and regional banks as lending criteria has been tightened by big banks in Australia. It states the focus that the member-owned organisations have tended on older households' raising deposits which are lended back through mortgage and personal loans to younger ones. The reliance on deposits is noted to help credit unions and building societies to offer competitive products to businesses.

Reports on the increase in bank deposit rates in Australia. Effect on home loan rates; Speculation that the Reserve Bank will increase interest rates; Implication of the result of the federal election for the Reserve Bank's decision to increase interest rates.

Statistics are presented on the bank transactions that the Federal Reserve Bank of Minneapolis (FRBM) processed in Minneapolis, Minnesota for 2012, including 12.3 billion automated clearing house (ACH) payments, 10.8 billion dollars of currency deposits, and 178,000 transactions for the 56 million investors.

The article discusses the results of RFi's study of 40,000 bank customers in Australia which shows that one in four people have switched banks, 26 per cent have switched their term deposits, 24 per cent their personal loans and 23 per cent their mortgages.

The article offers information on 2010 processed works of Federal Reserve Bank of Minneapolis (FRBM) in 2010 including 11.7 billion Federal Automated Clearing House (FedACH) payments amounting to 21.4 trillion U.S. dollars (USD), 10.6 billion USD of currency deposits and 188,000 transaction items.

The article offers information on the release of AnyDoc Software Inc.'s AnyDocDEPOSIT, a check processing solution which helps businesses to create customized, convenient digital bank deposits from their central or remote offices.

The article reports on the Australian government's decision to delay the introduction of a 50 percent discount on the first 1,000 Australian dollars of interest earned on deposits.

The article offers information on RaboPlus DIY super account of the Rabobank Australia, which provide same rates of self-managed superannuation funds to individuals. It states that RaboPlus DIY super account has two types such as the Super PremiumSaver and the Super Savings Account, in which both offer online access on the low-cost managed funds. It mentions that the super account is a high-interest savings account wherein individuals could manage their own superannuation funds.

The article focuses on the bank deposits of various Australian banks in June 2009. It notes the 3.5% increase on the deposits of Australia and New Zealand Banking Group Ltd. The Australian Prudential and Regulatory Authority Statistics reveals the 2.3% increase in the bank deposits of Westpac Banking Corp. However, it notes that National Australia Bank Ltd. has a 0.7% decrease in its deposits. It says that banks rely on increasing deposits to fund themselves amidst the global financial crisis.

The article reports on the 18.8% increase in retail bank deposits from April 2007 to April 2009 in Australia. Datamonitor claimed that the bank deposits increased from $304 billion to $429 billion. It is noted that both Commonwealth Bank of Australia and Westpac Banking Corp./St. George have half of all the deposits.

The article reports on the impact of the federal government's intervention on mortgage lending. Investors are now into mortgage trusts from bank deposits covered by the government's guarantee, which threatens non-bank lenders according to Lateral Economics chief executive officer Nicholas Gruen. He adds that the current panic on mortgage trusts is a bank run implicating competition in mortgage lending.

The article reports on the steps taken by the Australian government to help small businesses cope with the economic downturn. Prime Minister Kevin Rudd has launched initiatives that include guaranteeing bank deposits as well as the wholesale borrowing of banks themselves to keep credit coursing through the economy and help small businesses.

The article reports that the rise in bank deposits in Australia totaled $227 billion.

The article reports on the accusation of Cyril Lewis, farmer from the north Wales hill, against the Welsh assembly civil servants that their priorities in farm payment are wrong. It states that 0.016p has been deposited in his business bank account using the BACS system to correct an error. Lewis has been warned that he must wait until September 2007 to receive £9,000 under the Tir Gofal agri-environment scheme while his claim is cross-checked against his single farm payment (SFP) to ensure there is no double funding.

The article focuses on the increased of deposit-reserve requirement rate for commercial banks in China. The People's Bank of China (PBC) has announced the increase on April 29, 2007 of about 11 percent starting May 15, 2007. In response, officials from the PBC commented that the changes is aimed to manage the liquidity in the banking system and to moderate lending and investment.

The article provides information on figures released by Bank of England regarding bank lending to farmers. It is said that the borrowings freeze in the last quarter of 2006 reflected the effect of the single farm payment (SFP) on the cash flows of farmers. It is mentioned that those farmers who had increased bank deposits would stand to benefit from interest rate increases.

The article reports on the permission given by the Central Bank of China for commercial banks to invest clients' funds overseas for the first time. Residents holds nearly 5.5 trillion dollars in yuan cash and local bank deposits. The author suggests that commercial banks must obtain regulatory approval to invest clients' funds overseas and will assign quotas on investment categories.

Reports on the increased level of farm loans in Great Britain for the third quarter of 2004. Reasons behind the increase according to Tim Porter, agricultural director for Lloyds TSB, and Steve Ellwood, head of agriculture at HSBC; Implication of the increased level of bank deposits from farmers for the agriculture sector; Percentage increase in the loans for beef, sheep, and dairy sectors according to Richard Lole, head of agricultural policy at Barclays.

Reports on the increase in the 2002 second quarter farm borrowing in England and Scotland. Implications of the increase; Effect of foot-and-mouth compensation on the farming industry's bank deposits; Amount owed by Scotland's farming industry to banks.

Offers advice on investing in bank deposits. Impact of the decline in bank interest on deposit income; Expected performance of interest-rate-sensitive stocks; Investment opportunities at Commonwealth Bank, Westpac, National Australia Bank and ANZ Banking Group; Correlation between the increase in bank profits and dividend income.

Focuses on changes in Australians' investment preference since the 1990s. Includes decline of deposits in financial intermediaries as a result of lower interest rates; Growing affluence which enabled the public to consider investments in shares and property; Other factors credited for the popularity of shares.

Presents the best term bank deposits in Australia according to a survey by CANNEX. Period; Interest rates.

Presents a chart of bank interest rates on deposits and loans in the United States.

Lists the fixed-term deposit yields in Australia. Institutions; Rates for fixed periods; Term deposits.

Presents a chart on the terms on the deposits in banks in Australia.