Finance and Credit

The essence and role of deposit resources in commercial banks

Vol. 23, Iss. 32, AUGUST 2017

Received: 12 May 2017

Received in revised form: 6 July 2017

Accepted: 25 July 2017

Available online: 29 August 2017

Subject Heading: Banking

JEL Classification: G21

Pages: 1894–1910

Ilyunina D.A. Sevastopol State University, Sevastopol, Russian Federation

Lunyakov O.V. Sevastopol State University, Sevastopol, Russian Federation

Subject The article considers the issue of deposit resource formation by a commercial bank.
Objectives The purpose is to disclosure theoretical aspects of deposit resources as a major source of loan and investment financing and to describe factors affecting the amount of funds mobilized by the commercial bank.
Methods The study employs theoretical, analytical, comparative and graphic methods.
Results We offer a classification of deposit resources enabling to distinguish the most typical types of deposits and to provide their comprehensive description; generalize the process of deposit portfolio formation on the basis of existing and newly-entered contracts, and by the degree of funds stability; consider deposits from the perspective of their value and volatility (risk) and external and internal factors affecting the amount of attracted deposits.
Conclusions Under the current sanctions, the Russian banking business faces the problem of reduced opportunities for additional financial resource attraction in foreign markets to improve liquidity. Banks also have to adapt to low credit activity of customers and higher risk. It is crucial for banks to define a long-term development strategy, diversify deposit portfolio by the stability of funds for their further use in credit and investment activities. The findings may be useful for elaborating the theory of financial intermediation, and for commercial banks adjusting the deposit policy to the current economic conditions of their functioning.

Keywords: deposit, resource, deposit portfolio, time deposit, demand deposit


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