Back to basics: non-determinant deposits

Liquidity and Deposits

A substantial portion of the liabilities of major banks consists of non-maturity deposits. Similarly, credit card loans can be a significant part of a typical bank's assets. Common characteristics among all such accounts include:

- no specific maturity
- individual account holders can add or subtract balances as they wish
- the interest rate on these accounts is usually, but not always, a function of open market interest rates
- the balances in aggregate often move in response to changes in open

To continue reading...

You need to sign in to use this feature. If you don’t have a account, please register for a trial.

Sign in
You are currently on corporate access.

To use this feature you will need an individual account. If you have one already please sign in.

Sign in.

Alternatively you can request an individual account here: