7. Maturing fixed-term or notice period deposits

7.1. Deposits which should be considered as falling within this category are:

• (a) deposits originally placed as fixed-term with an expiry date maturing within the 30-day period or
• (b) deposits with fixed notice periods shorter than 30 days, in accordance with contractual arrangements, other than those that qualify for the treatment provided for in Article 421(5).

7.2. When assessing retail deposit outflows, institutions should consider the impact of:

• (a) withdrawal limits or notice periods;
• (b) the cost of withdrawal for retail deposit products which can legally be terminated prior to their original maturity date.
• (c) the consequence, on the reputation of the institution, of not allowing deposit withdrawals, where institutions have developed a practice of allowing early redemption of such deposit products.

8. High risk distribution channels, including internet only access banks, other forms of remote access and brokered deposits

Institutions should assign retail deposits accessed via high risk distribution channels such as internet only access banks, other forms of remote access and brokered deposits (where brokers collect funds from a natural person or SME) to higher outflows, taking account of the following:

• (a) plausible existing contractual limits to withdrawals;
• (b) the consequence, for the reputation of the institution, of not allowing deposit withdrawals, where institutions have developed a practice of allowing higher redemption levels for these products.

1. Prezentare generală

1.1 Referințe

1.2 Cerințe identificate

1.3 Standarde asociate

2. Cerințe identificate

3. Standarde asociate

• EBA - Published by the European Banking Authority at https://www.eba.europa.eu/