// definition
Retail deposit
A bank deposit held by an individual
Short definition
A bank deposit placed by an individual. The liquidity coverage ratio distinguishes stable and less stable balances according to deposit insurance, the customer’s relationship with the bank and account features. Eligible small-business funding can receive comparable treatment. Assessing an account’s stability requires examining its actual characteristics.
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Primary sources
- Basel Committee, LCR cash inflows and outflowsLCR 40.5–40.7 and 40.22–40.24: individuals, stable balances and the treatment of eligible small businesses.
- BIS, Annual Economic Report 2026, Chapter IIIReserve scenarios and Graph 4: retail deposits recycled into concentrated wholesale deposits.