Improvement of resource bank deposit attraction.

Abstract

The paper assessed the activity of banks on the formation of deposit resources. The analysis of the dynamics and structure of the deposit portfolio of Ukrainian banks for the period from 2012 to 2015. It was determined that the main purpose of the deposit policy of banking institutions is to attract a larger volume of funds at the lowest price. It highlights the advantages and disadvantages of certain types of bank deposits. The necessity of creation of new types of deposits that would be of interest to customers and profitable for banks. It is proved that the introduction of new borrowing instruments of deposit resources will not only reduce the total risk of the bank, but also to support financial stability and soundness of the bank. It is concluded that the introduction and expansion of innovative banking services in the process of implementing the deposit policy must be combined with the constant improvement of the traditional areas of customer service. Proposed implementation of logistics management scheme of deposit resources in the implementation of measures for the incentive scheme to attract customer funds. It is noted that a new level of the banking business is possible only if the sustainable development of the deposit base. Developed measures to prevent and minimize the risk of deposit, improve the mechanism of attraction of deposit resources.