Deposit operations of banks in ensuring the financial stability of the banking system of Ukraine in modern conditions

Abstract

The development and current state of financial resources of banking institutions in Ukraine are studied. The five leading banking institutions of Ukraine in terms of assets were identified and the structure of their resources as of December 1, 2023 was analyzed. Changes in the structure of residents' deposits attracted by deposit corporations, by sectors of the economy, by types of currencies and repayment terms in 2019-01.12.2023 were studied. The dynamics of interest rates of deposit corporations on household deposits in terms of currencies for this period were analyzed. On the basis of the analysis of the existing practice, the problems of forming the deposit policy of banking institutions were identified. The directions for improving the deposit policy to strengthen the resource base of banks have been determined. A set of measures to improve the efficiency of deposit portfolio management, which includes financial and marketing tools, has been determined. On the basis of the conducted analysis, proposals regarding the development of adequate measures for the development and improvement of deposit operations of banking institutions in Ukraine in modern conditions are substantiated.