Financial potential of households’ deposits as a factor of banks’ funding base formation

Mykola Vasylyovych Kostel, Iryna Dmytrivna Sklyar, Maryna Petrivna Katerynina


This article presents an approach to the analysis of opportunities to invest households’ savings in bank deposits, which is based on the assessment of relative rate of financial potential of regional households’ deposits. Formalization of relative rate of financial potential of regional households’ deposits is determined by three key factors, influencing the latter, and is based on the mathematical model considering relationship among three indicators – index of regional labor market development, index of households’ material welfare and index of educational level and financial literacy in the region. The approach to the assessment of relative rate of financial potential of households’ deposits, which is described in the article, along with corresponding analysis of regions in Ukraine provides the opportunity for banks to form a system of premiums on deposit interest rate with the aim of stimulating households to invest their savings in bank deposits. 


deposits; financial potential of households’ deposits; households; savings

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Science Works Journal "Ekonomichnyy analiz"

ISSN 1993-0259 (Print)  ISSN 2219-4649 (Online) DOI: 10.35774/econa

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