Bankacılık
vadeli mevduat
İngilizce: fixed deposit
Türkçe Tanım
Onceden belirlenmis bir vade ve belirtilen faiz oraninda tutulan, mudinin fonlari ceza olmaksizin cekmemeyi kabul ettigi banka mevduatidir. Vadeli mevduat, azaltilmis likidite ve taahhut edilen vade karsiliginda vadesiz mevduattan daha yuksek faiz oranlari sunar. Bankalar icin temel bir bireysel ve kurumsal bankacilik urunu ve istikrarli bir fonlama kaynagi olarak hizmet eder. Proje finansmaninda vadeli mevduat, yedek hesap fonlamasi veya nakit teminat duzenlemelerinin bir parcasi olarak gerekli olabilir.
English Definition
A bank deposit held for a predetermined term at a specified interest rate, during which the depositor agrees not to withdraw the funds without penalty. Fixed deposits offer higher interest rates than demand deposits in exchange for the reduced liquidity and committed term. They are a core retail and corporate banking product and serve as a stable funding source for banks. In project finance, fixed deposits may be required as part of reserve account funding or cash collateral arrangements.