Sentences with phrase «as bank deposits»

These low - risk mutual funds are considered as safe as bank deposits while providing a higher yield over both savings and money market accounts.

Debt Funds are as liquid as your Bank deposits.

In the U.S. those further benefits crucially flowed through the wealth effect channel: substitution of lower risk assets such as bank deposits and Treasuries for high yield bonds and equities led to price increases in those risky assets.

Not exact matches

In the lending world, the players at the upper end of the market include the banks and monoline firms, such as First National Financial, which issue mortgages but do not take deposits.

The Wall Street Journal today observed in reference to the efforts by the biggest banks - such as JPMorgan Chase, Bank of America, and Wells Fargo - to attract deposits:

As official interest rates in various countries approached zero, there was talk that going negative — effectively requiring private lenders to pay to deposit their excess reserves at central banks.

While deposits in checking and savings accounts can be volatile, as people might draw their money out all at once (run on the bank), CDs provide much needed funding stability, so banks are willing to pay a little more.

Some in the Canadian banking establishment regarded its generous interest rates on deposits — they began at 4 %, at least double that offered by Canada's dominant Big Six banks — as risible folly.

Bank of America relies heavily on higher interest rates to maximize profits as it has a large stock of deposits and rate - sensitive mortgage securities.

The details of the capital requirements under Basel III are complicated, but generally speaking, deposit - taking institutions such as Canada's banks will have to maintain tangible common equity, which includes things like cash, equal to 4.5 % of their assets plus an additional buffer of 2.5 %, for a total of 7 %.

They then examined their bank deposits and balances as well as their debit card, credit card, and electronic payments to healthcare providers and drug stores, allowing the team to get what they called «a cash flow view of healthcare spending.»

Moody's had already cut Royal Bank's long - term deposit rating to Aa3 from Aa1 in June as part of a move to cut the credit ratings of 15 of the world's largest banks, including Bankof America, JPMorgan Chase, Citigroup and Goldman Sachs.

Some companies with ESOPs respond by keeping spare cash in such safe, liquid investments as bank certificates of deposit.

As of Wednesday, customers in 30 different E.U. countries can deposit money into Uphold via bank transfer or from credit and debit cards.

However, if you want to take advantage of the latest trends — such as banking on your mobile phone or making deposits in ATM machines without deposit slips — a big bank is likely to stay more current with new technology, Hausinger says.

This means some banks can credit deposits made as late as 8 p.m. on that same calendar day, Mitchelson says.

For drunk driving, for example, one's score plummets straight to a C. On the other hand, triple As are rewarded with perks such as being able to rent public bikes without paying a deposit (and riding them for free for an hour and a half), receiving a $ 50 heating discount every winter, and obtaining more advantageous terms on bank loanAs are rewarded with perks such as being able to rent public bikes without paying a deposit (and riding them for free for an hour and a half), receiving a $ 50 heating discount every winter, and obtaining more advantageous terms on bank loanas being able to rent public bikes without paying a deposit (and riding them for free for an hour and a half), receiving a $ 50 heating discount every winter, and obtaining more advantageous terms on bank loans.

In this enviornment, depositors do not want to place all their deposits in a bank doing business as usual.

You also have to agree to electronic services such as paperless bank statements and one of the following each month: online bill payments, direct deposits, transferring funds between BECU accounts or debit card purchases.

Although the terms «savings account» and «money market account» are found throughout international banking systems, what is understood as a «CD» in the U.S. is similar to what another country might call a term deposit, personal saving certificate and fixed - term deposit accounts.

Although commercial banks mostly rely on capital from deposits from customers, such banks may issue notes and bonds as long - term capital resources.

You can make your first deposit right away during the signup process as long as you can confirm your linked bank account.

Free checking accounts without minimum opening deposit requirements or overdraft fees still tend to provide plenty of free services and features, such as rewards programs and online and mobile banking.

Let's say you open up a savings account at one of the big banks and deposit $ 5,000, then fund an online savings account with $ 5,000 as well.

Although the Federal Reserve can impose reserve requirements on net Eurodollar deposits of U.S. - based banks, it has imposed a zero reserve requirement since 1990, making the treatment of Eurodollar deposits effectively the same as federal funds borrowings.

In contrast, accounts that guarantee at least the return of your original balance — like certificates of deposit or money market accounts — are always covered, as long as the issuing bank or credit union participates in deposit insurance.

Quick answer: no, as the European Central Bank, which has an inate fear of inflation, felt compelled on Thursday by the economic crisis in Europe to cut its benchmark interest rates by 0.25 percentage points, bringing the refinancing rate to a record low of 0.75 % and the overnight deposit rate to zero.

As the bailout negotiations continue, investors should focus on a couple of metrics: bank deposits and government finances.

This is because in China the gap between lending and deposit rates during this century has been much higher than in other developing countries, probably as part of the process of recapitalizing the banks after the last banking crisis at the turn of the century.

Advantage of a market place such as Bitcoin.de: your funds always remain on your own bank account covered by statutory deposit insurance.

First, substantial direct or indirect wealth transfers from the state sector to Chinese households will unleash a surge in household consumption as household income rises (and because the interest on bank deposits is an important source of income for most middle and lower middle class households, if the authorities reduce interest rates, as struggling borrowers are demanding, China actually moves in the wrong direction).

The Bank recommends a comprehensive review of the economic impact of central bank digital currency issuance as it predicts that digital currencies will compete with commercial bank deposBank recommends a comprehensive review of the economic impact of central bank digital currency issuance as it predicts that digital currencies will compete with commercial bank deposbank digital currency issuance as it predicts that digital currencies will compete with commercial bank deposbank deposits.

Our mission is to establish Open Banking as the new industry standard for the deposits business.

If an individual or company deposits money in a bank or savings and loan association, a large portion of the deposit will be lent out as mortgage credit.

Take it a step further, in the very period of the demand shock, the central banker notices a bulge in deposits, as do all the member banks in equal error.

Banks have an incentive to deposit as little as possible at this rate, and instead prefer to earn the higher cash rate by lending out their balances.

Instead of waiting weeks or even months to hear back from the bank, once you complete an easy online application, you can have an answer in a few minutes and, if approved, have the loan proceeds deposited in your account often as quickly as within 24 hours.

As interest rates in Europe fell to unfathomably low levels over the last decade, lenders found themselves in a tough position: Mortgage interest — and therefore income — fell in lock step with the Euribor, and yet banks only had so much leeway to cut interest paid on deposits, which are their primary source of funding for mortgages.

The latter re-incorporated themselves as «banks» to get Federal Reserve handouts and access to the Fed's $ 2 trillion in «cash for trash» swaps crediting Wall Street with Fed deposits for otherwise «illiquid» loans and securities (the euphemism for toxic, fraudulent or otherwise insolvent and unmarketable debt instruments)-- at «cost» based on full mark - to - model fictitious valuations.

A hacker can steal it from your digital wallet or an exchange that holds your deposits, just as pirates stole bank debit and credit card numbers from Target.

A direct consequence of this growth was that the short - term liabilities associated with the shadow banking system — repos and commercial paper — exceeded the level of demand deposits as seen in Chart 3.

As long as you keep a certain minimum or do a direct deposit of a certain amount, most bank savings accounts should be fee - freAs long as you keep a certain minimum or do a direct deposit of a certain amount, most bank savings accounts should be fee - freas you keep a certain minimum or do a direct deposit of a certain amount, most bank savings accounts should be fee - free.

For short - term deposits less than a year, banks are limited to offering as much as 150 percent of the benchmark rate.

Banks are unable to cover their deposit liabilities as the market value of their loan portfolios falls.

(a) Share of total Australian dollar assets (per cent), subcomponents are the share of liquid assets (b) While deposits with other banks are a store of liquidity, they do not contribute to the stock of liquidity held by the banking system as a whole, since the recipient banks will, in turn, need to hold additional liquidity against these deposits; consequently, they are excluded from this table (c) Includes Commonwealth Government Securities and securities issued by the states and territories (d) Includes notes and coins, Australian dollar debt issued by non-residents and securitised assets (excluding self - securitised assets)

Because it does not operate as a retail bank taking in deposits from individuals and businesses, the public bank is not in competition with local community banks.

(As an aside, equilibrium means «no tendency to change,» fiat means deriving its value from law rather than some underlying commodity backing, and fractional reserve means that banks hold only a fraction of deposits on reserve, loaning the rest out.).

At least Mr. Bernanke was clear about this, when he explained that the Fed «creates deposits» for its member banks just as these banks «create deposits» for their own customers at a stroke of the computer keyboard.

PNC's focus on using web solutions to deliver added customer convenience is also apparent in its deposit account products like Virtual Wallet, which may make the bank convenient for you as a place to centralize all your finances.

What are banks for? Typically, banks are described as intermediaries that take deposits and lend them out, earning what is called net interest margin on the gap between what is paid on the savings and what is earned on loans. From where I stand, this description is wrong on three counts.