Deviation of month-end deposits = (deposits on the last day of the month-average daily deposits of this month)/average daily deposits of this month * 100%.
When calculating the deviation of deposits at the end of the last month of each quarter, the credit amount of "average daily deposits of this month" shall not exceed the average daily deposits of last month *( 1+ the average growth rate of average daily deposits of the last month of the last four quarters). Average monthly deposit growth rate = (average monthly deposit-average monthly deposit)/average monthly deposit * 100%.
Extended data
The deviation of deposit is to restrain the "rush time" behavior of banking financial institutions to pull deposits. The regulatory indicators to be issued by the regulatory authorities will guide commercial banks to strengthen liquidity and asset-liability management, make liquidity arrangements at all times, rationally arrange the total amount and term structure of assets and liabilities, and improve the level of liquidity risk management. Practice of deposit deviation degree
On June 26th, 2012,21year, Ningbo Banking Regulatory Bureau issued the Implementation Opinions on Classified Supervision of Joint-stock Commercial Banks within its jurisdiction, which introduced the deposit deviation index into the supervision index, and the supervision department regularly evaluated the commitment supervision index and the supervision evaluation factor, effectively distinguishing the time-point index from the monthly average index. Whether to follow the deposit deviation index will be directly linked to the regulatory rating.
The regulatory authorities will implement the evaluation standard of "1+ 1", that is, the completion of each commitment regulatory indicator and the performance of each element will be added or deducted one by one in the corresponding items of regulatory rating. The specific score shall be determined separately by the regulatory authorities according to the annual regulatory rating.
For the three banks that performed well in the previous year's regulatory evaluation factors or the banks that completed all the promised regulatory indicators, extra points will be given in the corresponding items of regulatory rating.
Deduct points for three banks with poor performance in the previous year's regulatory evaluation factors or banks that have not fully completed the promised regulatory indicators. Among them, the penalty for the promised regulatory indicators will be deducted according to the number of unfinished indicators.
On September 12, 2004, the Notice on Strengthening the Management of Deposit Deviation of Commercial Banks jointly issued by China Banking Regulatory Commission, Ministry of Finance and Central Bank clearly stipulated that commercial banks should strengthen the management of deposit stability, limit the "offset time" of deposits at the end of the month, and the deviation of deposits at the end of the month should not exceed 3%.