To allow international comparisons, the figures for deposits in the table include CDs and are for the banking group, and hence include overseas as well as domestic operations. The denominator used to measure total funding is on-balance sheet liabilities (excluding derivatives) rather than total funding including equity and securitisation. BIS Review 166/2009  3  How far can banks lift their deposit ratios?
An individual bank has a large amount of discretion in the way it funds itself, as it can bid more aggressively for the type of funds it wants and compete them away from other banks. The banking sector as a whole, however, has much less flexibility.