Finance and Credit
 

A methodology for assessing the efficiency of the commercial bank's deposit policy

Vol. 23, Iss. 48, DECEMBER 2017

Received: 4 October 2017

Received in revised form: 6 November 2017

Accepted: 20 November 2017

Available online: 22 December 2017

Subject Heading: Banking

JEL Classification: G21

Pages: 2888–2902

https://doi.org/10.24891/fc.23.48.2888

Mitrokhin V.V. National Research Ogarev Mordovia State University, Saransk, Republic of Mordovia, Russian Federation
mitrokhin_vlad@mail.ru

Gribanov A.V. National Research Ogarev Mordovia State University, Saransk, Republic of Mordovia, Russian Federation
alexey.gribanov@mail.ru

Vilkova M.V. AKKSB KS BANK (PAO), Saransk, Republic of Mordovia, Russian Federation
mariya.vilkova@gmail.com

Importance This paper concentrates on the issues of deposit policy of credit institutions including organization and management of deposit processes.
Objectives The paper aims to develop a methodology for deposit policy assessment of a commercial bank.
Methods As the methodological base of the study, we used the systems approach, method of comparison, and economic and statistical methods.
Results The paper presents a newly developed technique of assessment of the commercial bank's deposit policy.
Conclusions and Relevance The proposed methodology for evaluating the effectiveness of the bank's deposit policy is based on three sets of indicators and allows it to be explored in the context of the impact on the sustainability of the credit organization. The results presented can be used to evaluate the deposit policy of banking institutions.

Keywords: deposit policy, estimate rating system, ratio analysis, financial indicators, point rating and weights evaluation method

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