5. The value of the retail deposit

5.1. Institutions should consider as high value deposits those which fulfil all the following requirements:

• (a) they exceed the lower of one of the following two amounts:
• (i) EUR 100 000 or
• (ii) the local deposit guarantee scheme amount
• (a) they are lower than EUR 500 000.

5.2. Institutions should consider as very high value deposits those of at least EUR 500 000.

5.3. For the purposes of calculating the value of a client’s deposits, institutions should include all the client’s deposit accounts at that institution in t he calculation.

5.4. In addition, institutions should carry out a concentration analysis of their deposit base; adequate thresholds and/or limits to define high value retail deposits need to be introduced for internal purposes.

5.5. There are a number of methods that may be employed to identify the concentration of the deposit base. For example, institutions might identify a ‘certain number’ of large retail deposits or identify the ‘number of largest retail deposits’ that represent a certain percentage of the ret ail deposit base. To identify high value retail deposits institutions may use the threshold tailored to the local market for the deposit guarantee amount, the amount above which the interest rate is negotiated or any special arrangement agreed with the depositor that may limit the risk of outflows.

1. Pregled

1.1 Sklici

1.2 Ugotovljene zahteve

1.3 Povezani standardi

2. Ugotovljene zahteve

3. Povezani standardi

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