Recently, a number of banks have been actively rolling out large-denomination certificates of deposit exclusively designed for specific customer groups. These specialized products cater to distinct customer segments and offer slightly elevated interest rates in comparison to standard large-denomination certificates of deposit. Additionally, certain banks have introduced region-specific offerings. Presently, the market for large-denomination certificates of deposit is showcasing novel traits, encompassing diverse customer bases, a range of interest rates, and varying deposit thresholds. This evolution signifies a transformation in the strategy for bank deposit management.