Conceptual bases for improving the formation of bank resource potential.

Abstract

The article deals with the methods of forming the resource potential of the bank. It is determined that the largest part of the bank's resources consists of its attracted and borrowed funds. It is proved that a large part of the financial resources of a commercial bank is formed with the help of deposit resources - funds placed at a bank for saving and use with the subsequent payment of interest to depositors. The monetary policy of the National Bank of Ukraine and the principle of existence of the Fund for the Guaranteeing of Individual Deposits has been investigated. The conditions and trends of the market for deposits development of the population, their influence on the resource potential of banks, the problems that hinder its development, and the ways of improving the alternative channels of attraction of funds of individuals in Ukraine. The analysis of liabilities of Ukrainian commercial banks was carried out, and according to the results of the survey, an assessment of the state of borrowed funds of banks over the past ten years; the analysis of the composition of liabilities of Ukrainian commercial banks was carried out. The internal and external factors influencing the process of formation of resource potential of banks are considered. The principles of construction of the concept of forming the resource potential of the bank are determined. The basic components of the modern concept of formation of resource potential of banks in Ukraine are substantiated. On the basis of the analysis and definition of the main elements, the concept of improving the formation of the bank's resource potential was constructed.