Data Dictionary
Item Number N747
DEPOSIT BALANCES : RETAIL & SME DEPOSITS - STABLECall confidentiality applies to FFIEC 031/041.
| Series | Start Date | End Date | Confidential? | Reporting Forms |
|---|---|---|---|---|
| LMMAN747 | 2014-09-03 | 9999-12-31 | Yes | FR 2052a |
| LMMBN747 | 2014-09-03 | 9999-12-31 | Yes | FR 2052a |
| LMMCN747 | 2014-09-03 | 9999-12-31 | Yes | FR 2052a |
| LMMDN747 | 2014-09-03 | 9999-12-31 | Yes | FR 2052a |
| LMMEN747 | 2014-09-03 | 9999-12-31 | Yes | FR 2052a |
| LMMFN747 | 2014-09-03 | 9999-12-31 | Yes | FR 2052a |
| LMMGN747 | 2014-09-03 | 9999-12-31 | Yes | FR 2052a |
| LMMHN747 | 2014-09-03 | 9999-12-31 | Yes | FR 2052a |
| LMMJN747 | 2014-09-03 | 9999-12-31 | Yes | FR 2052a |
| LMMKN747 | 2014-09-03 | 9999-12-31 | Yes | FR 2052a |
| LMMLN747 | 2014-09-03 | 9999-12-31 | Yes | FR 2052a |
| LMMMN747 | 2014-09-03 | 9999-12-31 | Yes | FR 2052a |
| LMMNN747 | 2014-09-03 | 9999-12-31 | Yes | FR 2052a |
| LMMPN747 | 2014-09-03 | 9999-12-31 | Yes | FR 2052a |
| LMMQN747 | 2014-09-03 | 9999-12-31 | Yes | FR 2052a |
| LMMRN747 | 2014-09-03 | 9999-12-31 | Yes | FR 2052a |
| LMMSN747 | 2014-09-03 | 9999-12-31 | Yes | FR 2052a |
| LMMTN747 | 2014-09-03 | 9999-12-31 | Yes | FR 2052a |
| LMMUN747 | 2014-09-03 | 9999-12-31 | Yes | FR 2052a |
| LMMVN747 | 2014-09-03 | 9999-12-31 | Yes | FR 2052a |
| LMMWN747 | 2014-09-03 | 9999-12-31 | Yes | FR 2052a |
| LMMZN747 | 2014-09-03 | 9999-12-31 | Yes | FR 2052a |
Data Description:
Report the retail and SME deposits that the firm defines as stable in the appropriate line item and maturity column. Stable deposits are deposits covered by an effective deposit insurance program (e.g. FDIC insurance), although the existence of deposit insurance alone is not the only condition to consider. Other factors include:
ò Depositors have established relationships with the bank, which make deposit withdrawal highly unlikely.
ò Deposits held in transactional accounts (e.g. accounts where salaries are automatically credited)
ò Term deposits that have a withdrawal penalty greater than the loss of interest can be considered in this category
If the firm cannot readily identify which retail deposits qualify as ôstableö according to the above definition (e.g. the firm cannot determine which deposits are covered by an effective deposit insurance scheme) report the amount in line 10.2 (Less Stable).
Brokered Insured Deposits should not be included in this section.
Report deposit funding obtained by the reporting entity from external counterparties in the appropriate sub item with the corresponding maturity columns. For products with non-maturing characteristics, (e.g. demand deposits) report the balances in the Day 1 maturity bucket.
For purposes of this report, counterparties are defined as follows:
ò Retail
Refers to a counterparty who is a natural person. Do not include legal entities, sole proprietorships, or partnerships, which are considered wholesale counterparties.
ò Small Medium Enterprise (SME)
Refers to entities managed as retail exposures on a pooled or portfolio segment basis that exhibit the same liquidity risk characteristics as retail customers.
ò Financial Institution
Refers to bank holding companies, savings and loan holding companies, depository institution, non-bank financial institutions supervised by a domestic prudential regulator, credit unions, insurance companies, securities firms, commodity pools, benefit plans, and other companies predominantly engaged in financial activities. Also include hedge funds, mutual funds and SPEs as financial.
ò Non-Financial Institution
Refers to commercial entities that are non-financial in nature (i.e., do not meet the definition of a financial or other entity as identified above). Sovereigns, supranationals, public sector entities, and state and municipal governments are included in this category.