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Formation of the Deposit Base and Its Influence on the Commercial Bank Stability


Aleksandr Tarasov
(about the author)

Tarasov Aleksandr Sergeevich – Postgraduate Student, Department of Finance and Banking, Russian Presidential Academy of National Economy and Public Administration

Published in:
Russian Journal of Entrepreneurship
– № 8-2 / August, 2011



Keywords: bank liquidity, deposit base, interest payment procedure, margin, solvency, stability and maturity of liabilities


Citation:
Aleksandr Tarasov (2011). Formation of the Deposit Base and Its Influence on the Commercial Bank Stability. Russian Journal of Entrepreneurship, 12(8), 85-90. — url: http://bgscience.ru/com/lib/3176


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Abstract:

The article examines the relationship of the key performance indicators of a credit institution with the qualitative characteristics of its deposit base. It is established that the task of forming the optimal deposit base is contradictory: it is necessary to ensure a flow of long-term but at the same time stable and inexpensive resources. Finding the right balance is the main issue which the management faces when developing the bank’s resource strategy. The author provides guidance on how it can be achieved.








References:
1. Sviridov O.Yu. Denygi, kredit, banki. – M.: IKTs MarT, 2004. – 488 s.
2. Lavrushin O.I., Valentseva N.I. Bankovskie riski: uchebnoe posobie. – M.: KNORUS, 2007. – 232 s.
3. Petrov A.Yu., Petrova V.I. Kompleksnyy analiz finansovoy deyatelnosti banka. – M.: Finansy i statistika, 2007. – 560 s.
4. Romashina-Skuta E.A. Osnovnye bankovskie riski, ikh vzaimosvyazy i vliyanie na upravlenie bankom // Bankovskiy riteyl. – 2006. – № 2.

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