Insured deposits with established relationship or in transactional accounts
Examples of established relationships include members that also have a loan, line of credit or investments with the credit union. Examples of transactional accounts include accounts where there are automatic regular deposits of salary, pensions or other sources of income. Refer LCR reporting template Lines 12 and 13. Where a credit union is not readily able to identify which retail deposits would qualify as stable deposits under paragraph 35 or 36, it should report the full amount under paragraph 37 or 38. Where a credit union in not readily able to identify which retail deposits would qualify as insured deposits under 37 or 38, it should report the full amount under paragraph 39 – 42 as appropriate. Read more
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