HOUSEHOLD DEPOSITS IN THE EUROZONE AREA – NET OUTFLOWS AND HIGH VALUE DEPOSITS

Katarzyna Kochaniak

The aim of this paper is to analyse the problem of household deposit withdrawals from monetary financial institutions in 15 Eurozone member states, and the popularity of high value deposits which are assumed as volatile in the EU post-crisis regulations. The study estimates the scale of household deposit withdrawals in 2007-2015, revealing them as a problem of two selected member states, Austria and Greece which are, however, almost invisible at the Eurozone level. It analyses the significance of high value deposits for individual populations and indicates those in which the occurrence of the deposits was the most frequent. Selected characteristics of the owners of high value deposits which may suggest their real nature are considered. The results obtained do not prove the popularity of these deposits in all the countries characterised by severe outflows between 2007-2015.

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Keywords: high value household deposits, deposit net outflows, funding stability, liquidity standards, credit institutions
DOI: 10.15611/aoe.2018.2.08