The deposit operations of commercial banks of Ukraine, their organization and deposit policy

Abstract

The purpose. The work is devoted to the nature of the Deposit activity of the Bank, to highlight the features of the Deposit policy of the Bank and ways of increase of efficiency of management of the Deposit operations of the Bank. The basic problems faced by banks in implementing their Deposit activity, in particular: lack of active-passive operations of banks, the lack of resources accumulated by banking institutions to ensure the financial needs of the economy. The main ways to improve Deposit policy to achieve maximum results while minimizing costs. Methods. For solving problems of this class is proposed to use a systematic approach, rational methods of solving problems. Results. In this work we present an approach that considers the problem of attracting deposits in the conditions of crisis and to address this issue by developing a Deposit policy. Analyzed the dynamics of deposits Depository corporations, are also investigated deposits of resident sectors of the economy. Found that the most active sector of the economy relative to the accumulation of funds in Deposit accounts are households and non-financial corporations. Developed the basic directions of increase of efficiency of the Bank’s Deposit policy.The result of conducting Deposit operations is receiving banks and their customers certain advantages. Thus, the placement of funds in deposits for the Bank customers gives you the opportunity to receive a stable income in national and foreign currency in the form of a percentage within a certain time; to increase the amount of their savings at the expense of interest income; to minimize the risk of loss of funds, and the like. Regarding banks, the attraction of temporarily surplus funds in deposits contributes: the liquidity of the Bank; to increase the volume of active operations and the formation of their efficient structure; the acceleration of non-cash payments; reduction in the cost of resources compared to interbank loans. Scientific novelty. Suggest ways to improve, improve the efficiency of conducting Deposit operations by domestic banks. Practical meaningfulness. Use the methodical approach will enable the banking financial institutions to increase the number of Deposit investments.