THE MANAGEMENT
The article considers the role and trends of banks' deposit policy in the conditions of economic and socio-political tension, and focuses on the priority of analysis of approaches to the formation of deposit policy by commercial banks, analysis of factors of influence, identification of weaknesses and strengths of the effectiveness of Deposit policy of the largest banks in Ukraine.
Abstract
The article considers the role and trends of banks' deposit policy in the conditions of economic and socio-political tension. The list of the main tasks of the deposit policy of domestic banking institutions that need to be solved in the conditions of instability of the operating environment is given. Theoretical provisions for determining the main tasks of the deposit policy of domestic banking institutions are studied, as well as the essence of the economic category "bank deposit policy" is formulated. The importance of the introduction of modern deposit policy is substantiated not only as a basis for the existence of the banking system, but also as an opportunity to stimulate the increase of investment resources in all sectors of the economy. Emphasis is placed on the existence of certain principles of banking institutions, among which the principle of efficient use of borrowed resources is of particular importance. In accordance with this principle, borrowed funds must not only be saved, but also returned with an increase (deposit interest), which is a share of the total increase in the advance value (loan interest). Emphasis is placed on the tendency to withdraw funds from customer accounts in conditions of economic and political instability, which is a significant destabilizing factor, as a result of deteriorating quantitative and qualitative characteristics of the resource base of banks. The lack of free cash of economic entities in deposit bank accounts slows down the growth of resources of the banking system in order to further transform them into investments. The article focuses on the priority of analysis of approaches to the formation of deposit policy by commercial banks, analysis of factors of influence, identification of weaknesses and strengths of the effectiveness of deposit policy of the largest banks in Ukraine