Depositanti

Depositanti are individuals or legal entities that place funds with banks or other financial institutions for safekeeping, liquidity, or earning interest. The deposited funds constitute a liability for the institution and are typically used to support lending and other activities. Common deposit types include demand deposits (such as checking or current accounts), savings deposits, and time deposits (such as certificates of deposit). Some institutions also offer money market or other high-liquidity deposit products.

Depositors retain access to their funds according to the terms of their accounts, including withdrawal rights and notice periods. In many jurisdictions, deposits are protected by government-backed schemes that insure a portion of the funds up to a specified limit, reducing the risk of loss in case of bank insolvency. Coverage levels and eligibility vary by country and product.

Relation to banks and markets: deposits are a major source of funding for financial institutions and influence interest rates, liquidity management, and lending capacity. They may be insured or partially insured, and interest rates on deposits reflect policy rates, competition, and product features. Depositors often diversify across institutions or product types to balance safety, accessibility, and return.

Regulation and protection: regulatory frameworks oversee the safety and soundness of banks, liquidity requirements, disclosure, and consumer protections. Deposit protection and related rules aim to maintain public confidence in the financial system and to reduce systemic risk.