Deposits
in sentence
467 examples of Deposits in a sentence
During the global financial crisis, even the safety of bank
deposits
and government bonds was in doubt for some investors.
If a bank fails, the government stands behind most
deposits.
While the government would still have to back
deposits
for crisis-stricken banks – even if that meant bailing out the entire institution – it would have had the option of allowing the derivatives trading desks, functioning within separate organizations, to flounder.
As investors sought the higher yields on land, property, equities, bonds, and bank
deposits
that were attainable in emerging markets after 2008, capital inflows to Latin America tripled, boosting asset prices, credit, and aggregate demand.
As soon as word got out that Greece was seriously considering such a move – well before it could even generate a new drachma currency – euro bank
deposits
would flee Greece.
For northern Europeans, two prospects raise particular concern: risk sharing (for example, in underwriting retail bank deposits) and a eurozone budget.
But guaranteeing retail
deposits
remains a task for the eurozone’s individual member states.
China’s banking system does face risks stemming from a maturity mismatch between loans and
deposits.
In fact, the average term of
deposits
in China’s banks is about nine months, while medium- and long-term loans account for just over half of total outstanding credit.
When banks make loans, they create
deposits
for borrowers, who draw on these funds to make purchases.
That generally transfers the
deposits
from the lending bank to another bank.
Banks are required by law to maintain reserves at the Fed in proportion to the checkable
deposits
on their books.
So an increase in reserves allows commercial banks to create more of such
deposits.
That made sense only if the bank used the reserves to back up expanded lending and
deposits.
But, rather than being used to facilitate increased commercial bank lending and deposits, the additional reserves created in this process were held at the Fed – simply the by-product of the effort, via QE, to drive down long-term interest rates and increase household wealth.
These countries’ households continue to save, accumulating
deposits
at their local banks and buying bonds from their local wealth managers.
The IMF would use those
deposits
to finance its lending operations, rather than having to rely on quota allocations or “arrangements to borrow” from members.
Moreover, neither oil and gas
deposits
nor imperialist policies will stop Russia’s decline.
In 2007, global assets (including stock, private and public debt, and bank deposits) amounted to $194 trillion – 343% of annual global GDP.
For example, Germany has successfully promoted recycling with a combination of smart regulations and incentives, such as machines at supermarkets that return
deposits
in exchange for bottles (often brought in by the poor).
Because runs on banks can trigger widespread distress, governments explicitly guarantee insured
deposits
and implicitly guarantee all the other debts of mega-banks.
Avoiding a post-exit implosion of the Greek banking system, however, might require temporary measures, such as bank holidays and capital controls, to prevent a disorderly run on
deposits.
But China has been taking concerted steps to expand the use of the renminbi, including signing swap agreements with more than two dozen countries, actively encouraging offshore markets for renminbi
deposits
and bonds, and moving cautiously to open domestic capital markets.
In 2007, huge oil
deposits
were discovered off Brazil’s coast.
The country has substantial untapped
deposits
of metals and non-metallic minerals, including phosphate, gold, zinc, bauxite, and high-quality silica.
The logic behind the separation was absolutely clear: banks whose
deposits
were insured by the taxpayers should not be allowed to speculate with their depositors’ money.
As it is, bank executives expect to share in any gains that might flow to common shareholders, but they are insulated from the consequences that losses, produced by their choices, could impose on preferred shareholders, bondholders, depositors, or the government as a guarantor of
deposits.
Nevertheless, while such a compensation structure would lead executives to internalize the interests of preferred shareholders and bondholders, thereby improving incentives, it would be insufficient to induce executives to internalize fully the interests of the government as the guarantor of
deposits.
Two thirds of the people in Venezuela, the Latin American country with the largest oil deposits, live in poverty.
Deposits
have left, and the austerity policies demanded by Germany are prolonging the aggregate-demand shortfall and sustaining high unemployment.
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