FEATURES OF FORMATION OF THE RESOURCE BASE OF A COMMERCIAL BANK
Abstract
Given the growing importance of effective resource management in the banking sector, this article examines the main approaches to identifying sources of bank resources and identifies the factors that influence their volume. The results of the study confirm the importance of financial resources in the bank's activities and their optimization. It is concluded that the structure of the resource base of individual banks is individual and mainly depends on the degree of specialization of the bank, the state of its credit resources and other factors. It is determined that all resources used by a banking institution for lending, investing and conducting other active operations can be attributed to banking. Based on the financial statements of JSC "FUIB", a thorough analysis of the bank's liabilities for 2022-2024 was conducted, in particular: the dynamics of equity and liabilities were studied, the main indicators of the bank's capital were analyzed, the dynamics and structure of deposits by type were analyzed. Based on the results of the analysis, it is concluded that the bank has a satisfactory resource base, is increasing the attracted funds, which are the main source of formation of the bank's resources, which are directed to conducting active operations. The dynamics of equity, liabilities, income and expenses are consistent with the goals, objectives and vision of the management of the bank's activities. The types of deposit services of JSC "FUIB" for corporate clients and the population are systematized, key banking services are characterized on an innovative basis. The main directions of improving the deposit policy are determined. The main prerequisite for the effective functioning of banks and their financial stability is the stability and sufficiency of their resource base. The conclusions are drawn that the resource base of the bank can be considered not only from the traditional point of view of the concentration of the bank's capital, but also from a general economic point of view, as the basis of all banking activities, because the size of the profit of the banking institution directly depends on the formation of the resource base.
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