The componence and functionality of attracted resources of a bank - Belobrov Angela

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Topic 4. THE COMPONENCE AND FUNCTIONALITY OF ATTRACTED RESOURCES OF A BANK 1. The structure of attracted resources and their importance for the conducting banking activities 2. The characteristics and typology of a bank deposit 3. Non-deposit bank resources: types and means of attracting 4. Banking resources acquired through the issuance of securities: bank certificates, bank bills, long-term bonds 5. Banking resources acquired on the interbank market -1- The structure of attracted resources, and their importance for the conducting banking activities Commercial banks, like other subjects of economic relations, to ensure its commercial and business must have a certain amount of money, ie, resources. In the total amount of banking resources attracted resources occupy the dominant position. Their share of different banks varies between 75% and above. With the development of market relations structure of borrowed resources has undergone significant changes due to the emergence of new non-traditional banking system to the old ways of the accumulation of temporary free funds of individuals and entities. In the world of banking practice, all the attracted resources of a bank in the way of their accumulation are grouped as follows: I. Deposits -are formed on the initiative of clients who come to deposit money in the banks, II. Non-deposit borrowings: II.a) Resources arising from the issue of securities (bank certificates, bills of exchange, and bond); II.b) Resources purchased from other banks (centralized bank credit (from National Bank) and decentralized (from other commercial banks)). The main source of funding for active operations of commercial banks are leveraging resources, which requires that commercial banks conduct active deposit policy and expansion of deposit operations. In organizing the deposit transactions, commercial banks must comply with the liquidity balance and take into account the following requirements: - Deposit resources must be coordinated through the term and amount financed with active operations, which is especially important in an unstable economy and high inflation; - Deposit operations should contribute to maximizing bank profits or to create conditions for a profit in the future; - In the organization of deposit operations special attention should be given to raising funds to time deposits and savings deposits with a fixed term; - To expand the types of deposit transactions, provide additional services or benefits in order to increase the number of depositors. ...