Traduction de «Dépôt à vue des banques commerciales » (Français → Anglais) :

Can funds which bank A delivers to bank B, and which B must repay A on a predetermined date, together with interest which has been specially negotiated, be regarded as a deposit in the sense of Article 1(1) of Directive 94/19/EC on deposit-guarantee schemes, even though the funds, when they reach B, are not placed in a special account in A’s name, B has not issued any special documents to A recording the receipt of the funds and has not paid premiums in respect of the funds to the Depositors’ and Investors’ Guarantee Fund and the funds have not been entered as a deposit in B’s books? It is assumed in this question that banks A and B each hold o ...[+++]perating licences as commercial banks in different States in the European Economic Area.

When the first question is answered, is it of any significance whether bank A, which holds a licence to operate as a commercial bank according to the laws of the contracting party in whose territory it operates, does not exercise the authorisation it has, under its operating licence, to accept deposits from the general public, but finances its operations by means of contributions from its owner and through the issue of financial instruments, subsequently re-loaning that money on the so-called interbank market?

No bank, whether sound or ailing, holds enough liquid funds to redeem all or a significant share of its deposits on the spot.

In many cases the providers of microfinance in the European Union are commercial banks and should become important partners in the Facility, with a view to re-establishing trust in the credit market and with a focus mainly on customers with no credit standing.

As set out by the Commission[11] before the June 2012 European Council and in the report of the Presidents of the European Council, the Commission, the Eurogroup and the European Central Bank of 26 June 2012[12], completing the banking union will require further work to deliver a single supervisory mechanism, a common system for deposit guarantees and an integrated crisis management framework.

Whereas the distribution of euro notes and coins was spread over three months, legacy currencies were returned for the most part in a matter of weeks, causing serious bottlenecks at bank and cash-transport company warehouses and giving rise to very long delays in sorting and counting coins in particular and thus in crediting traders' accounts at commercial banks and the latter's accounts at central banks.