Business — Banking — Management — Marketing & Sales

Archives for the ‘General Banking’ Category

The composition and structure of assets

Category: Concept of the Bank and the Banking System

Active operations of the bank account for a significant and decisive part of its operations. Under the structure of assets refers to the ratio of different quality asset balance of the bank’s balance sheet total. The quality of bank assets, determines whether the structure of its assets, the diversification of active operations, the volume of […]



The quality of bank assets

Category: Concept of the Bank and the Banking System

Asset quality is determined by their liquidity, the volume of risky assets, a specific gravity of the critical and substandard assets in assets that yield income. To ensure the daily bank’s ability to meet its obligations asset structure of commercial bank shall comply with quality requirements of liquidity. To this end, all the bank’s assets […]



Deposits with fixed period and savings deposits in banks

Category: Concept of the Bank and the Banking System

Deposits with fixed period and savings deposits represent the most stable part of deposit resources. Term deposits — it funds deposited in the bank for a fixed term. They are divided into: — The actual deposit with fixed period; — Deposits with advance notice of withdrawal of funds. Banks in Western Europe and the U.S. […]



Call deposits

Category: Concept of the Bank and the Banking System

Call deposits are represented by different accounts to which their owners can get cash on demand by the statement of cash and payment documents. For Call deposits in domestic banking practices include: — Funds held in the settlement and current accounts of public joint-stock enterprises, and various small commercial structures;



Borrowed funds of commercial banks

Category: Concept of the Bank and the Banking System

In the total amount of banking resources attracted resources occupy the dominant position. Their share of different banks varies between 75% and above. With the development of market relations structure of borrowed resources has undergone significant changes due to the emergence of new non-traditional banking system to the old ways of the accumulation of temporary […]



Concept and structure of the bank’s own capital

Category: Concept of the Bank and the Banking System

Under the bank’s own funds should understand the various funds set up by the bank to ensure its financial stability, trade and economic activities as well as profits as a result of the current and previous years. The structure of the bank’s equity base is heterogeneous in composition and quality vary throughout the year depending […]



Resources of commercial banks: their structure and characteristics

Category: Concept of the Bank and the Banking System

Commercial banks, like other subjects of economic relations, to ensure its commercial and business must have a certain amount of money, ie, resources. Under modern conditions of economic development problem of the formation of resources is of paramount importance. This is because the transition to a market economy model, the elimination of state monopoly on […]



Relationships with customers of the bank

Category: Concept of the Bank and the Banking System

The Bank, being the product of the needs of the economy, in the midst of economic life, aims to promote the interests of their clients. It is no coincidence therefore, in recent years, more and more established the ideology of the bank as a partner. Partnerships have certain properties. They are characterized by:



Banking monopoly

Category: Concept of the Bank and the Banking System

Monopoly (Mono … + Poleo – sale) is owned by one person, partnership or the State and has the right to mine, produce and sell certain products. There is a popular theory that divides the market according to the degree of monopolization in the 5 main types: the monopoly, partial monopoly, oligopoly, partial oligopoly and […]



Warning system of the Banks crisis and banks recovery

Category: Concept of the Bank and the Banking System

The most important element in ensuring the safety of banks is a warning system of crisis. Banking legislation stipulates that in order to ensure financial security as a factor in preventing crisis, banks have: 1) to classify their assets, emphasizing doubtful and bad debts, build up reserves (funds) to cover potential losses, including a possible […]





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