Italian term (edited): oneri finanziari da giacenza

This one really had me flummoxed. Interest risk management is all about interest rate swaps to convert rates from fixed to floating. "da giacenza" is deposits which give you "proventi" and not "oneri". However, Googling this always gives the same phrase "l’obiettivo di minimizzare gli oneri finanziari da giacenza" in exactly the same context of interest risk management, but very few examples many dating back over a decade (before the "commissione sull'istruttoria veloce" charge on overdrafts before you even draw on them). Then I realised. I remembered back in the 1980s when I opened a bank account in Italy. The bank charges were frightening. Then when I went to close the account I realised that the meaning of frightening had reached a new dimension. Thankfully times have changed. So I think that this is a sort of legacy obsolete phrase dates back to when it was important not just to manage the interest risk, but also to negotiate with banks the impact of very high bank charges on deposits on current accounts.
Of course if this is right and if it is translated as such, it will confuse the foreign investor reading the financial report just as it confused me.