Problems and trends in development of deposit policy in ukrainian banking institutions

Abstract

Introduction.In terms of globalization processes an effective deposit policy of domestic banking institutions is the only way to retain its liquidity, to settle up with their obligations and to show positive results. The effectiveness of banking activities and its competitiveness in the market of banking services largely depends on the introduction of new banking services. However, it should be noted, that in today's environment of economic development of Ukraine, banks do not occupy a leading position on the establishment of new deposit transactions. That is why they require a lot of changes. In this regard, the article examines current trends and challenges of deposit policy in banking institution in terms of transformation of the domestic economy. The main factors influencing the formation of an effective deposit policy have been characterized. Structural analysis of the market of funds of the bank in terms of banks and customers has been carried out.

Purposeof the article is to identify the major problems of deposit policy and the effectiveness of its formation in the present terms of the banking system of Ukraine.

Results.The latest methods that would attract resources to conduct effective deposit policy of banking institutions and that will provide stability and competitiveness of the banking system as a whole have been proposed.