// definition
Wholesale deposit
A bank deposit held by a corporate or institutional client
Short definition
A bank deposit placed by a corporate, financial or other institutional client. Its prudential treatment depends on the depositor, insurance, maturity and any operational purpose. Large, concentrated balances can move quickly. A stablecoin issuer may concentrate ownership of deposits, depending on how the funds it receives are invested.
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Primary sources
- Basel Committee, LCR cash inflows and outflowsLCR 40.19, 40.26 and 40.40–40.42: counterparties, operational deposits and wholesale funding categories.
- BIS, Annual Economic Report 2026, Chapter IIIReserve scenarios and Graph 4: retail deposits recycled into concentrated wholesale deposits.