Inlåningsbasen

Inlåningsbasen, or the deposit base, is a term used in banking to describe the portion of a bank’s funding that comes from customer deposits. This typically includes demand deposits, savings accounts, time deposits, and certificates of deposit from households and non-financial corporations, as well as other deposits that are considered stable sources of funding. The deposit base is contrasted with wholesale funding, such as interbank borrowings, commercial paper, and other market-based sources.

The size and quality of the deposit base are central to a bank’s liquidity and funding risk profile. A larger and more stable deposit base can lower funding costs and reduce reliance on volatile wholesale markets, making the bank more resilient during stress periods. The stability of deposits depends on factors such as product mix, customer trust, competitive pricing, and regulatory requirements. Core retail deposits are generally viewed as less volatile than short-term or wholesale funding.

Regulators and banks monitor the inlåningsbas to assess financial stability and funding resilience. Changes in the deposit base can influence lending capacity, risk management, and the effectiveness of monetary policy transmission. Economic conditions, competition among banks, and shifts in interest rates can all affect how the deposit base evolves over time.

In practice, the term emphasizes deposits as a fundamental, customer-driven source of funding that underpins a bank’s ability to lend and manage liquidity, alongside other funding channels.