Innovations in Management of Banks Deposit Portfolio: Structure of Customer Deposit

Abstract

The economic and statistical analysis of the bank's deposit portfolio by the structure of deposits has been performed. An algorithm for grouping deposits by type of client, amount, maturity, and interest rate is proposed and tested. A technique is proposed for analyzing the influence of the type of forming factors: the amount, term, and interest rate on the change in the number of dividends on a bank deposit. The influence of each type of deposit on the overall increase in interest payments is determined. The purpose of the article is to improve the methodological approach to the effective management of the bank's deposit portfolio using the economic and statistical analysis of the structure of deposits. A study of the literature shows that insufficient attention is paid to the formation of an optimal deposit portfolio of the bank. The relevance of the article lies in the need to use the mathematical apparatus to optimize the process of managing the borrowed funds of customers. The tendency of changes in the amounts of balances, volumes of inflow, and subsidence of deposits of corporate clients and individuals in the bank is analyses. The methodology for grouping deposits by amounts, interest rates, and investment terms has been improved, which allows structural positioning changes in the total amount of the bank's deposit portfolio. A technique is proposed for studying the influence of factors on the structure of deposits in a bank. The methodology of index factor analysis has been improved to study the structure of deposits in the bank. For the analysis of cash flows, the average storage period, and average deposit balances for a certain period are determined. The index of the average duration of the use of a variable composition deposit is calculated. The economic effect for the bank from increasing the terms of attracting financial resources is calculated. A set of indicators has been proposed for assessing the effectiveness of managing customer funds raised. The study is based on a combination of statistical and economic-mathematical methods of analysis, a system-structural approach (systematization, grouping and ranking, analysis of time series, and scientific abstraction). Presented various marketing tricks that bank depositors may meet. The developed methodological provisions of a statistical study of the structure of deposits can be used in modeling and forecasting the results of financial institutions. Practical recommendations allow us to give an objective assessment of the state of the resource base of the bank in terms of the effective management of funds of individuals and corporate clients. Keywords: analysis, bank, monetary resources, deposit, efficiency, customers, portfolio, interest, amount, term, management.