Resource base of Russian banks in modern conditions: factors of influence and actual tasks of funding

Abstract

An important factor in the stable functioning of the banking sector is the quality of bank liabilities. The financial position of each credit institution, its liquidity, financial stability and efficiency, directly depend on the state of the resource base (the composition of sources of financing banking activities, the parameters of their urgency and payment), and therefore the task of ensuring the optimal structure of bank liabilities is one of the key tasks of banking management. In conditions of economic uncertainty, the achievement of optimal characteristics of the resource base is complicated due to structural shifts that cause an increase in the cost of funding, which indicates the relevance of improving the policy of forming bank liabilities. The subject of the research in the article is the state of the resource base of Russian banks, the specifics and problems of the formation of bank liabilities in modern conditions. The research results consist in determining trends in the formation of bank liabilities, identifying promising areas and tools for the development of the mechanism for the formation of the resource base of Russian banks. The authors substantiate that in the conditions of economic turbulence, it is important for commercial banks to ensure a balanced formation of a diversified structure of liabilities based on a more complete analysis and consideration of the system of risk factors and the potential of credit and investment activities.