depositor

But like a melting ice cube, the bank's franchise value would rapidly shrink as depositors, counterparties and staff all left.

They view the bank as an intermediary between borrowers who prefer long-maturity loans and depositors who prefer liquid accounts.

In a desperate attempt to sign up new depositors the bank had been running television adverts with the slogan "Whoo hoo" .

Other behaviors of the bank that would violate the stipulations of this law and do harm to the depositors and other clients.

Crucially, Greek banks also depend on depositors keeping their nerve. So far they have pulled less than a fifth of their money out of banks.

But a bank's prospects are so difficult to assess for small depositors that some form of supervision might be necessary anyway.

The examiners found the bank solvent, much to the relief of its depositors.

If you see a queue outside a bank there is a good chance that nervous depositors are trying to withdraw funds.

The only difference was that the charge was led by institutions instead of small depositors.

Then the trust company would create a wealth management product out of the loan and give it to the bank to sell to investors and depositors.

The move Sunday came as depositors continued to pull their money from the lender, mobbing branches in Kabul and other parts of the country.

But like a melting ice cube, the bank's franchise value would rapidly shrink as depositors, counter parties and staff all left.

The health of the commercial banking system depends on the assumption that, at any time, most depositors will keep their money in the bank.

The publicity sent the bank's depositors running and caused other banks to stop doing business with it.

A portion of the investment profits is returned to depositors in the form of services and of interest on savings accounts.

In taking full control of the bank, it promised to take all necessary steps to protect the rights and interests of creditors and depositors.

If they had confidence that other depositors would stay with the bank, there's not much doubt that their money would be safe.

Banks in good condition, the head of the Philadelphia National Bank said in 1884, did not pay interest to depositors.

Then, small depositors would get their money at once and the institution would be taken over as soon as it needed such a rescue.

At the moment, inflation means that depositors are earning negative interest - losing money - and are less inclined to save.

Shamefully, the purpose of the stress tests is not to ensure that depositors' money is safe or that taxpayers will not be called on again.

Some retail banks require depositors to put equal amounts of money into other, more profitable, products.

Worse, in the case of an insolvency, depositors take their place at the back of a queue.

If they did not, depositors or government would pick up the bill.

EBank, EVE's largest player-run financial institution which has thousands of depositors, is at the center of the scandal.

Bank Panic A situation where depositors lose confidence in the banking system and withdraw all or a majority of their funds from the bank.

Depositors would rush to get their savings out of the country to preempt a forced conversion to a new, weaker currency.

He said that the real-name system, to protect the interests of depositors , the personal income tax system is beneficial.

Instead, it offers depositors an attractive fixed rate of interest paid out of investment returns.

Again, there would be bank runs in Europe as depositors fled weaker countries, leading to the reintroduction of capital controls.

Outlines the key features of the scheme, and provides information for depositors and scheme members, and a list of scheme members.

Would it not be better to let mismanaged institutions go under, while protecting small depositors effectively?

THERE is a new kind of queue in banking, and it is not formed of terrified depositors trying to withdraw their savings.

The collapse of Bear Stearns was triggered by a run of its creditors and customers, analogous to the run of depositors on a commercial bank.

Britain is not about to collapse into anarchy, even if the experience of Northern Rock's depositors is profoundly unnerving.

Depositors would have known that the deal might have fallen through, with dire results for them.

A deposit insurance system should have available all funding mechanisms necessary to ensure the prompt reimbursement of depositors' claims.

We guaranteed all depositors and all deposits in all Australian banks, building societies and credit unions for the next three years.

Reserving the best rates for new customers either irritates core depositors or invites them to try and game the system.

That enables depositors outside China to bet on a currency that is widely expected to appreciate against the dollar over the next few years.

Such deposit is deposited monthly with a certain amount of deposit, and suitable for depositors with fixed income.

Sometimes depositors would get lower returns from the bank.

Britain is far less exposed to a run on its banks by foreign depositors than Iceland was, says Ben Broadbent, an economist at Goldman Sachs.

Meanwhile, depositors took their money out of banks and stuffed it in the post office or under their mattresses.

Healthy businesses used to display their fat with the same exuberance as banks would impress their depositors with marble.

A solvent government will not let ordinary depositors lose significant quantities of money.

The existence of a pool of funds would help speed up payment and bolster depositors confidence in the scheme .

The appointment of the Manager will be maintained for as long as necessary to protect the interests of the institutions depositors.

If only a few depositors withdraw at any given time, this arrangement works well.

Yet investors should not take comfort from the implicit guarantee that Beijing has extended to shareholders and depositors of the banks.

In the event of a big failure, depositors are likely to have their money guaranteed by the taxpayer.

The bank must beprepared to convert deposit money into currency for those depositors whorequest currency.

The business depends on confidence; no bank can survive if its depositors (or its wholesale lenders) all want their money back at once.

As a result, Britain is much less exposed to a run on its own banks by depositors holding foreign currencies than Iceland was.

In the United States, Europe, and elsewhere, we have seen unprecedented assurances to bank depositors and creditors.

In this model with multiple equilibria, which equilibrium realizes depends on each depositor's belief about other depositors' actions.

Until then, the system will be vulnerable to runs by wealthier depositors, whose collective holdings are substantial.

But last Tuesday, Mr Oddsson made public remarks that were interpreted to mean that Iceland would not meet its obligations to UK depositors.

Dominance by one man is risky for a bank, its depositors and its shareholders.

However, depositors have been fleeing the banks and putting their cash into higher-yielding "wealth management products" .

A change in the currency in both weak and strong countries would impose devastating losses on businesses and depositors at home and abroad.

Some of the flows into Switzerland may be coming from alarmed Italian and Greek depositors.

Depositors will automatically become depositors of OneWest Bank and continue to be insured by the FDIC, Hernandez said.

AMIT KUMAR must be one of the few bankers in the world turning away depositors.

The skewed interest rates offered by China's banks represent a tax on depositors and a subsidy for industry.

Depositors nowadays do not take home billions in plastic grocery bags.

From the view of bank profit, this paper tries to develop a balance model between the services cost of bank and the depositors' cash amount.

Establish the bankruptcy prevention system, to ensure the interests of the depositors, and maintain the stability of the economic order.

The objective of a deposit insurance scheme is to protect small depositors.

Cyprus will be described by the authorities as a one-off, to try and reassure the depositors of Portugal or Spain.

Depositors must learn to be suspicious of banks doing the bidding of ambitious local authorities.

The central bank imposes a ceiling on the interest rates they may pay to depositors and a floor under the rates they may charge borrowers.

When a commercial bank suffers a sudden rush of withdrawals by depositors, this is called a bank run.

The deal is considered a cornerstone of its North American expansion plans, giving it access to American depositors.

Innumerable acts of trust build up the system of which bankers, depositors and borrowers are part.

In a modern bank run, the actors rushing for the exits are institutional lenders not individual depositors.

The international bank has crashed , with enormous debts and thousands of angry depositors.

Its banks will become vulnerable, as their depositors and lenders conclude that they and the Italian state are likely to become insolvent.

you had thousands and thousands of depositors in Britain investing in Icelandic banks.

In roughly half of those cases, the FDIC sold off all of the failed banks' deposits, which meant that no depositors lost money.

Apart from the possible loss to the depositors themselves, there is a risk that public confidence in genuine banks would be undermined.

Worse than jitters in the money markets would be a loss of faith by depositors.

The post office is a major savings institution, and given Chinese frugality , depositors usually have to wait in line.

The first priority in these cases must be the residents, depositors and customers: creditors come after.

Indeed, worried depositors have already begun pulling cash out of Greek banks.

Commercial banks should protect the legal rights and interests of their depositors against encroachment by any unit and individual.

Portfolio shift by depositors had caused outflows of deposits to the stock market, raising concerns for the authorities.

The results are consistent with a central bank survey of bank depositors released last week.

That was a sweeping proposal which aimed, amongst other things, to free up inter-bank lending and protect banks and depositors.

This world has grown, thanks to an official government policy that capped interest rates for bank depositors below the inflation rate.

Making foreign creditors pick up the bill for the banks' excesses in this way has spared Iceland's taxpayers and depositors.

As long as governments cannot - or will not - let ordinary depositors suffer inconvenience, moral hazard runs rife.

Limiting rates paid to depositors also does not necessarily bestow windfall profits to banks.

Even more alarming, WaMu's demise shows that depositors will flee the most troubled banks, even when their money is backed by the state.

Chinese depositors and taxpayers are subsidising the very industries that are slowly poisoning them.

Banks and depositors are therefore expected to flock to higher interest-bearing bonds issued by the likes of BoC and CCB.

Debt has reached excessive levels with FED's leadership. FDIC guaranteed deposits and depositors never questioned bank actions.

In the past, when Chinese banks needed to replenish their coffers, depositors have been forced to pay the price.

When Iceland's banking system collapsed in October, the problem was not that the media had panicked depositors.

The UK and Iceland appear now to have agreed on dealing with depositors, but too late for Kaupthing.

Those are special savings association , like savings and loan associations, which are owned by the depositors instead of stockholders .

Mr. Obama called for legislation from Capitol Hill that would set up an authority that would protect creditors, depositors and consumers.

To protect individual depositors and maintain financial stability, the financial safety net is urgently needed.

But German shareholders, taxpayers and depositors might take the alternative position.

The banks that survived were flooded with cash as depositors flocked to the relative safety of government-insured accounts.

Depositors also contributed to the recapitalisation of the banking system.

But inflation has risen steadily this year, which means bank depositors are essentially facing a negative interest rate return.

That argument is correct, but more compelling to investment bankers than to depositors or taxpayers.

The bail-out implicitly required that bank depositors subsidise the cleaning up of the banking industry.

Second, I emphasise that bank runs come in many forms and bank runs can occur even when individual depositors are insured.

If so, even the banks' depositors might begin to worry about being made to share in the pain.

A bank lends money deposited with it by depositors to borrowers.

North County depositors will automatically become Whidbey Island depositors.

Depositors may wish to withdraw more than the banks have available, as happened with Northern Rock in the UK.

With their loan portfolios under five, banks are in danger of losing their depositors as well.

They indicate the scale of the subsidy that depositors and taxpayers provide to wholesale trading.

Depositors (or the scheme that stands in their place) should have preferential status in a liquidation.

Whether banks choose to absorb the cost or pass it on to depositors will depend on the competitive environment.

Ultra-low interest rates also squeeze the profits that banks can usually make by paying below-market returns to retail depositors.

As soon as an exit was anticipated, depositors would flee Greek banks and all new lending governed by Greek law would effectively cease.

Banks pay depositors interest on their deposits and charge borrowers slightly higher interest on their loans.

Forced to pay higher interest rates to attract depositors and other creditors, its profitability would suffer.

The rapid growth of WMPs suggests that depositors are switching to these products in increasing numbers.

The raising of deposit insurance limit will help increase bank depositors confidence in their banks.

Opening personal clearing accounts will not mean extra costs for depositors.

In some economies, what banks owed to depositors and bond holders at the end of 2006 was a multiple of annual GDP (see chart).

Austrian depositors were making a rational decision to withdraw their money.

Once depositors are sure of getting their money back, whatever the circumstances, they have little incentive to monitor a bank's business.

Such institutions must use less leverage and accept restrictions on how they invest depositors' money.

And all depositors and collecting officers will receive them, enter them on their books, and pay them to public creditors as money.

The clearing bank will also pay interest on the deposits from the participating banks, which will in turn pay interest to their depositors.

Why should not more of the losses fall on creditors, other than the insured depositors?

They are mutually owned and controlled by a mix of depositors, employees and, above all, local politicians.

Depositors of Haven Trust have automatically become depositors of First Southern Bank.

However, they do charge much higher rates for any depositors who run up overdrafts without prior agreement.

The calculations of bond investors, bank depositors and politicians are prone to sudden change.

Our bank offers high interest on large deposits, thereby appealing to numerous depositors.

Foreigners and domestic depositors alike demanded gold from American banks.

But if depositors all demanded their cash at once, the banking system would fail and the economy seize up overnight.

Article 2 The present Measures shall apply to the settlement accounts opened by the depositors with the banks within China.

There are good grounds not to: first, if they face losses then depositors, who in theory have the same seniority, might start a run.

The incentive and restraint mechanisms to depositors by small charges are also examined according to the contractual theory.

Unfortunately, consumer prices in China are rising by 4. 6% a year, leaving depositors with negative real returns.

However, fears that the FDIC's fund which protects depositors may run out are unfounded.

Their purpose in doing so is to protect depositors and keep them from the damage caused by the insolvency of banks.

The analysis of the view that bank cards for depositors , banks are profit-making.

The government has a system to close failed banks, created after the Great Depression in part to avoid sudden runs by depositors.

Demand deposits are balances in bank accounts that depositors can access on demand by writing a check.

The market remains trapped in boom and bust cycles driven by the mood of bank depositors.

It must make remittance on checks written by depositors andpresented for payment by other banks (settle adverse clearings).

We found the problem, and organised a solution that meant investors and depositors lost nothing.

It guarantees the safety of depositors' checking and savings deposits in member banks.

In theory, the loss should be shared in turn by the shareholders, partner banks, creditors, the government and the depositors .

And it remains to be seen whether these depositors will remain loyal in times of trouble.

That caused panic among depositors : by Thursday a run on money market funds was in full swing.

Banks made large losses long before depositors started twitching.

Some analysts had forecast the authorities would scrap altogether the 20 per cent tax on interest income paid by bank depositors.

The recent example of MF Global emphasises the concept, as does the behaviour of depositors in some struggling European economies.

Beijing used three main tools to manage previous increases in bad loans, all of which passed costs on to bank depositors.

Ireland and Greece have issued blanket guarantees to bank depositors.

Will it allow the (artificially low) interest rates that banks pay depositors to rise?

Depositors' losses served as a lesson in moral hazard.

They could invest where they wanted, deploy depositors' money as they saw fit.

Depositors are now presumed safe while shareholders are toast.

If depositors at one bank lose their money, depositors at other banks are likely to get nervous, too, setting off a chain reaction.

Depositors and shareholders whose funds were used by banks that are nowinsolvent were the second losers.

Since these certificates of deposit offer very high interest rates they help attract depositors to our bank.

As a result, local depositors with lower opportunity costs may also begin to withdraw their deposits.

They might also pass the cost on to depositors via higher charges.

But the banks have largely melted down without the help of panicking depositors.

After the FDIC repays depositors it tries to recoup the cost by selling the seized bank's assets.

Banks depend on nervy depositors and wholesale lenders.

This cheap borrowing comes at the expense of depositors.

Some keep enough cash in the vaults to repay almost half their depositors on the spot.

With the sustained growth of CPI, many Chinese depositors begin to given attention to overseas education and capital investment.

The requirement to hold capital so that a bank can absorb loses without jeopardising depositors' confidence is expensive.

Underground banks became eager to offer depositors 20-30 per cent rates to attract funds, which would then be lent to cash-starved firms.

A main reason for the banks' problems is that they have lent money against: depositors' hugely overvalued stock holdings and property.

Bankruptcies would cause chaos among depositors and lenders to banks such as money-market funds, insurance firms and foreign governments.

There is a need also for depositors to exercise greater care in protecting their cards and PINs.

But it is unlikely that all depositors of a bank would withdraw their money at the same time.

Meanwhile, it can greatly strengthen depositors' belief so that the financial stability can be obtained.

He also stressed the importance of keeping Greek banks alive to protect depositors.

Last month, depositors made a run on a local bank based on market rumors.

But the weak states remain vulnerable to a loss of confidence by depositors.

Jittery depositors on Friday withdrew more than US$460m from The Chinese Bank, or roughly 10 per cent of its total deposits.

But most of the funds at risk belong to depositors.

For example , banks and their depositors might be tempted to take bigger risks in the knowledge that they are insured .

This is a scheme designed to protect small depositors if a bank is unable to repay deposits.

After all, banks have special obligations to their depositors because we are handling their money , not only our own.

In the survey, 70. 3% of depositors expected prices to be higher in the second quarter than in the first.

Fearing that Irish banks wouldn't survive, depositors fled in droves.

"Banks have a lot of demands from high-net-worth depositors, " particularly big corporate accounts, Mr. Bedford at KPMG said.

There is also the risk that depositors will shift their funds from banks in weak countries to safer havens.

As for bank runs, they can happen anywhere if depositors are given reason to fear for the safety of their assets.

How to Defend Depositors'Rights after Their Bank Deposit Being Falsely Claimed?

That was true in the 1970s, when the Swiss were forced to impose negative interest rates on foreign depositors.

Even senior debt, holders of which rank second only to depositors in America and typically alongside them in Europe, is at 85-90 cents.

If the depositors are paid off in full, then the government actually breaks even.

The important thing here is that when banks do make losses, the interests of their depositors are adequately protected.

Another worry is that depositors will lose confidence when they learn how often banks lose money in this manner.

Depositors might stage a run.

On one side are depositors, who expect to get their cash back pretty much whenever they want.

while the indirect financing market is based on the credits of banks and mainly protects the interests of depositors.

Countries in the G20 have been pushing hard for low-tax countries such as Switzerland to provide information on foreign depositors.

Even depositors who know the story is false will have an incentive to withdraw, if they suspect other depositors will believe the story.

At the same time, it said that banks could offer depositors an interest rate 10% above the benchmark and borrowers a rate 20% below it.

The new rules in America envisage imposing losses on all creditors (but not depositors).

For example, if foreign depositors have higher opportunity costs, they will withdraw their deposits first after a negative shock.

From 1930 to 1933, more than 9, 000 banks were shuttered, imposing losses on depositors and shareholders of about $2. 5 billion.

but the bank chose not to do so because it felt that would disadvantage its Hong Kong depositors.

for example, Yucho, which is considered far too big to fail, might find itself more attractive to depositors as a result.

Setting up the Deposit Insurance Legal System Perfect the Protection of Depositors'Benefits

Deposit contract; Claims; Protection measures; Collateral Duty; Interests of depositors;

A formal procedure exists for bailing out an insolvent bank's depositors and then winding down the institution;

Legal System of Protection of Depositors and Financial Stabilization in the United States

sharply increase charges imposed on most small depositors

Prospective B-type Foreign Currency Depositors

Chapter III Protections for the Depositors

Danish Guarantee Fund for Depositors and Investors

Protecting the interests of small depositors of banks

Wrong Incentives to Bankers and Depositors

The CB Law outlines banking reforms in four key areas: 1. Protection of depositors;

A series of unexpected and urgent demands, as by depositors or customers

In turn, that may force bank executives to take more risk in order to earn back what they are paying depositors;

we should pay more attention to the protection of depositors' benefits and perfect their benefit safeguard mechanism as soon as possible;

maintaining the current level of priority claims protection for small depositors in hong kong i . e . maintenance of the status quo