Wholesale Deposit

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Wholesale Deposit

A deposit at a bank made by an institutional investor, a large business, another bank or an investment vehicle such as a mutual fund or pension. Wholesale deposits are usually large amounts of money, and wholesale clients are sometimes prioritized more highly than individual customers.
References in periodicals archive ?
Loan-based liquidity ratios had strengthened in 2014, but tightened again at end H1 2015 owing to efforts to reduce the level of wholesale deposits in the customer deposit base, although the situation is believed to have eased somewhat in Q3 2015.
He expects that on the liability side there could be pressures on wholesale deposits this year from large corporations and government-related entities.
Saying that the banks would benefit from the downtrend in short-term rates that started a month ago, analyst Jaideep Iyer, who is also a senior president at Yes Bank, said that these lenders have a higher exposure to wholesale deposits, which will result in an improvement in their net interest margin (NIM) over the next few quarters.
Among banks dependent on wholesale deposits, Yes Bank Ltd jumped 22.
The rating agency said the outlook reflects the sluggish operating environment which will weaken asset quality and increase provisioning needs; the banks' sizable holdings of sovereign securities, linking bank credit profiles to that of the government of South Africa (B1 negative); and, funding challenges due to reliance on short-term wholesale deposits.
If you have a very strong balance sheet, investors will have confidence in placing money whether as wholesale deposits or investing in instruments issued by the bank or even taking up shares in the bank, and with those resources we would then be able to invest in projects in the country.
underwrites wholesale deposits for institutions, and operates its own bond-trading desk.
uCaCBUAE could tweak the treatment of wholesale deposits.
Fifty-three public authorities in the UK, including certain local government bodies and universities, had wholesale deposits with Glitnir in October 2008," said the statement.
The sukuk private placement represents further progress in GIB's programme to more closely align the maturity profile of its assets and liabilities and reduce its previous reliance on short-term wholesale deposits," he added.
Business and wholesale deposits decreased from 17% of domestic deposits in June of 2008 to 10% in June of this year.
At the end of September 2011 only 13 per cent of the loan portfolio was funded by short term wholesale deposits.
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