Aspirations to move towards harmonised deposit-guarantee schemes and bank-resolution mechanisms cause even more alarm.
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Russian banks tend to be small, badly run, and do little deposit-taking and lending.
And Mr Sun is scaling down his deposit-taking operation, restricting it now to company workers.
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You can see the problem of combining high-risk trading with lower-risk deposit-taking at J.
Landsbanki's products were not covered by the domestic deposit-insurance schemes of the target countries.
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Another thorny issue would be trying to raise money for common deposit-insurance and bank-resolution funds.
The firm at the center of the storm, American International Group, had only a minor deposit-taking operation.
And a common deposit-insurance fund could also credibly reduce the risk of bank runs in vulnerable countries.
Yet, for some experts, last month's bailout agreement for Cyprus showed that some common deposit-guarantee arrangement is essential.
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Take the distinction that some make between deposit-taking institutions, which should be protected, and wholesale-funded entities, which should not.
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The improvement needs to be even smaller at deposit-rich institutions such as TD.
And the deposit-rich banks had issued few bonds that could be written down.
Its deposit-taking prowess rested on alluring interest rates rather than relations with customers.
BNP's tortuous capture of Fortis gives it the euro area's biggest deposit-taking franchise.
Because the incentives of subordinated-debt holders are closely aligned with those of the deposit-insurance fund (and hence of taxpayers).
There is money to be made in foreign exchange, deposit-taking, and careful corporate lending (to oil exporters, for example).
The mutualisation of risk may have to encompass a euro-zone bank-resolution fund as well as a joint deposit-insurance scheme.
Unsurprisingly deposit- and pension-insurance schemes tend to be popular, given the harm to losers when banks and retirement funds fail.
ING, a Dutch financial-services group, began pushing a telephone-based savings account in May, offering higher interest rates than domestic deposit-takers.
Quite apart from the cost to the FDIC's deposit-insurance fund, anything close to that would prove logistically overwhelming for regulators.
Their deposit-taking more than matches their loan-making, and they keep a fifth of their deposits in reserve at the central bank.
And the commission has set aside the idea of a joint euro-zone deposit-insurance scheme because of German objections to pooling liabilities.
Brazil reduced reserve requirements and gave banks and its deposit-insurance fund incentives to buy up the loan portfolios of smaller banks.
To make matters worse, the pace of deposit-gathering by banks is slowing.
Its U.K. deposits were thus formally covered by the U.K. deposit-guarantee program.
Banking reforms now before parliament would allow regulators to focus on deposit-taking banks and not waste their resources on the pocket banks.
You would have a menu of sound investment choices-mutual funds, government bonds, bank certificates of deposit-but you could not speculate in Siberian diamond mines.
Stanley O'Neal may fuel the speculation that the investment bank is looking to buy a commercial bank to help boost its lending and deposit-gathering activities.
In a similar vein he also attacks capital regimes and deposit-insurance schemes that require banks to raise equity and pay premiums when losses are high.
Diversified, deposit-taking universal banks can maintain higher credit ratings and can borrow more cheaply than specialist investment banks such as Morgan Stanley or Goldman Sachs.
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