{"id":15942,"date":"2021-09-20T09:11:23","date_gmt":"2021-09-20T06:11:23","guid":{"rendered":"https:\/\/modecon.mnau.edu.ua\/?p=15942"},"modified":"2022-06-07T20:34:43","modified_gmt":"2022-06-07T17:34:43","slug":"analysis-of-bank-deposit-operations","status":"publish","type":"post","link":"https:\/\/modecon.mnau.edu.ua\/en\/analysis-of-bank-deposit-operations\/","title":{"rendered":"Mulyk T. Analysis of bank deposit operations: condition, problems and improvements"},"content":{"rendered":"

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JEL Classification<\/strong>: G10; G18; G20; G21<\/em>.<\/em>
\n<\/span><\/td>\n		DOI<\/b>: https:\/\/doi.org\/10.31521\/modecon.V28(2021)-10<\/a><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

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Mulyk Tetiana, <\/strong>Candidate of Economic Sciences, PhD, Associate Professor, Head of the Analysis and Statistics Department, Vinnytsia National Agrarian University, Vinnytsia, Ukraine<\/p>\n

ORCID ID:<\/strong> 0000-0003-1109-2265<\/a><\/span>
\ne-mail:<\/strong> mulyk_t_o@ukr.net<\/span><\/a><\/p>\n

<\/h2>\n

Analysis of Bank Deposit Operations: Condition, Problems and Improvements<\/h2>\n

 <\/p>\n

Abstract. Introduction.<\/strong> The determining share of bank resources is formed in the process of implementation of deposit operations, the productivity of which depends on the stability, sufficiency and liquidity of banks. They need to systematically maintain proper customer service, use the latest deposit products and investment requirements to expand their customer base. That is why the assessment of the bank’s deposit operations, identifying their problems and areas for improvement is very important.<\/p>\n

Purpose.<\/strong> The purpose of the article is to study the state of deposit operations of domestic banks, identify their problems and improve.<\/p>\n

Results.<\/strong> The article examines the essence of deposits, which is regulated by various regulations. The classification of deposits on various grounds is considered. The focus is on such types of deposits as: time deposits and demand deposits, their disadvantages and advantages are presented. The analysis of deposit operations in Ukraine is carried out. In particular, the following was assessed during 2010-2020: dynamics of residents ‘deposits, dynamics of non-residents’ deposits, residents ‘deposits by maturity, residents’ deposits by types of currencies, corporate and retail deposits, distribution of retail deposits by groups of banks and value of time deposits by data of statistical reporting of banks of Ukraine. It is indicated that in the development of deposits over the past ten years there are both quantitative and qualitative trends that reflect certain aspects of banks’ deposit policy. Currently, there is a situation when the amount of deposits increases by sectors of the economy, in terms of types of currencies and maturities and the cost of their use decreases. The main problems of the deposit operations market of Ukraine as well as the directions of improving the efficiency of banks’ deposit policy are identified.<\/p>\n

Conclusions<\/strong>. The study shows that currently there is a situation where the amount of deposits increases by sectors of the economy, in terms of types of currencies and maturities, and the cost of their use decreases. Summarizing the practice of banks and the views of scientists, identified the main problems of the deposit market of Ukraine. The directions of improvement of banks ‘deposit policy are also covered, namely, introduction and expansion of innovative banking services, restoration of depositors’ confidence in banks, modernization of deposit policy on the basis of modern inquiries, increase of interest in placing funds on deposit accounts.<\/p>\n

Keywords: <\/strong>deposit; deposit operations; time deposits; demand deposits; value of deposits; banks.<\/p>\n

References:<\/strong><\/p>\n

    \n
  1. On banks and banking activities (2000) : Law of Ukraine of December 7, 2000 \u2116 2121-III. Retrieved from : https:\/\/zakon.rada.gov.ua\/laws\/show\/2121-14#Text [in Ukrainian].<\/li>\n
  2. Civil Code of Ukraine (2003) : Law of Ukraine of January 16, 2003 \u2116 435-IV Retrieved from : https:\/\/zakon.rada.gov.ua\/laws\/show\/435-15#Text [in Ukrainian].<\/li>\n
  3. On the procedure for carrying out deposit (deposit) operations with legal entities and individuals by banks of Ukraine (2003) : Resolution of the Board of the National Bank of Ukraine of 03.12. 2003 \u2116 516. Retrieved from : htt\u0440: \/\/z\u0430k\u043en2.r\u0430d\u0430.g\u043ev.ua\/l\u0430ws\/sh\u043ew\/ z1256-03 # Text [in Ukrainian].<\/li>\n
  4. Kolodyazhna, T. V. & Bakumenko, T. O. (2018). Economic essence and classification of deposit operations of commercial banks. Hlobal\u02b9ni ta natsional\u02b9ni problemy ekonomiky<\/em>. 22. 802-805 [in Ukrainian].<\/li>\n
  5. Gerasimovych, A. M., Alekseenko, M. D. & Parasiy-Vergunenko, I. M. (2004). Analysis of banking : textbook. pidruchn. K. : KNEU. 599 [in Ukrainian].<\/li>\n
  6. Parasiy-Vergunenko, I. \u041c. (2003). Analysis of banking : teaching method. way. for self. studied dist. . K. : KNEU. 347 [in Ukrainian].<\/li>\n
  7. National Bank of Ukraine : official page. Monetary statistics. Retrieved from : https:\/\/bank.gov.ua\/ua\/statistic\/sector-financial\/data-sector-financial#1ms [in Ukrainian].<\/li>\n
  8. National Bank of Ukraine : official page. Overview of the banking sector. Retrieved from: https:\/\/bank.gov.ua\/ua\/news\/all\/oglyad-bankivskogo-sektori-lyutiy-2021-roku [in Ukrainian].<\/li>\n
  9. FinPost: official page. Bank deposits increased and their value decreased. Retrieved from : http:\/\/finpost.com.ua\/news\/20465http:\/\/finpost.com.ua\/news\/20465 [in Ukrainian].<\/li>\n
  10. Kolesnik, Ya. V. & Zemlyakova, I. S. (2018). The current state and prospects of development of passive operations of the banking sector of the economy of Ukraine. Prychornomors\u02b9ki ekonomichni studiyi<\/em>. 34. 150-153 [in Ukrainian].<\/li>\n
  11. Makarenko, Yu. P. & Khatsko, V. V. (2021). Estimation of deposit portfolio management of a commercial bank on the example of JSC \u00abOTP Bank\u00bb. Investytsiyi : praktyka ta dosvid. 1. 39\u201345. DOI: 10.32702\/2306-6814.2021.1.39 [in Ukrainian].<\/li>\n
  12. Larionova, K. L. & Donchenko, T. V. (2019). Analysis and trends in the deposit market of Ukraine. Ekonomichni nauky<\/em>. 2. 159-167. DOI: 10.31891\/2307-5740-2019-268-2-159-167 [in Ukrainian].<\/li>\n
  13. Mulyk, T. O., Materinskaya, O. A. & Plonsak, O. L. (2017). Analysis of economic activity : textbook. way : navch. posib. Kyyiv : Tsentr uchbovoyi literatury\/. 288 [in Ukrainian].<\/li>\n
  14. Aleskerova, Y., Mulyk, T. & Fedoryshyna, L. (2018). Improving credit protection analysis methods reports of main agricultural enterprises. Baltic Journal of Economic Studies. 4. 2. 1-7. DOI: https:\/\/doi.org\/10.30525\/2256-0742\/2018-4-2-1-7 [in English].<\/li>\n
  15. Gutsalenko L., Wasilewski M., Mulyk T., Marchuk U., Mulyk Ya. (2018). Accounting control of capital investment management: realities of Ukraine and Poland. Economic annals – \u0425\u0425\u0406. 170(3-4). 79-84. DOI: https:\/\/doi.org\/10.21003\/ea.V170-14 [in English].<\/li>\n<\/ol>\n

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    Mulyk T. (2021). Analysis of bank deposit operations: condition, problems and improvements. Modern Economics<\/em>, 28(2021), 66-75. DOI: https:\/\/doi.org\/10.31521\/modecon.V28(2021)-11.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

    [\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<< Back to contents<\/a>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/section>","protected":false},"excerpt":{"rendered":"

    [vc_row][vc_column][vc_column_text] JEL Classification: G10; G18; G20; G21. DOI: https:\/\/doi.org\/10.31521\/modecon.V28(2021)-10 [\/vc_column_text][vc_column_text] Mulyk Tetiana, Candidate of Economic Sciences, PhD, Associate Professor, Head of the Analysis and Statistics Department, Vinnytsia National Agrarian University, Vinnytsia, Ukraine ORCID ID: 0000-0003-1109-2265 e-mail: mulyk_t_o@ukr.net Analysis of Bank Deposit Operations: Condition, Problems and Improvements   Abstract. Introduction. The determining share of bank resources
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