PROCEDURE FOR CONDUCTING AND ORGANIZING THE ANALYSIS OF THE BANK’S DEPOSIT OPERATIONS

The article examines the procedure and organization of the analysis of deposit operations of the bank. It is noted that the analysis of deposit operations plays an important role in the field of effective management, which is a sign of quality banking management, and an indisputable condition for competitiveness, stability, liquidity and profitable activities of the bank. The analysis of the bank's deposit operations should be understood as a set of methodological approaches, techniques and methods for assessing the volume, structure and dynamics of deposits of their value and efficiency in the mobilization and use of its deposit resources to improve the overall strategy of the bank. The purpose of the analysis of deposit operations of the bank is to assess and determine areas for optimization, the object of analysis are banks, their branches or divisions that carry out deposit operations, the subject — is the activities of a commercial bank related to deposit operations and the subjects of analysis are commercial banks and other credit institutions. The main objectives of the analysis of deposit operations of the bank are: assessment of the share of deposit operations in the structure of liabilities and liabilities of the bank; analysis of time deposits of their volume, structure, dynamics; analysis of deposits to the question of their volume, structure, dynamics; assessment of the bank's deposit policy by indicators: term of use and currency of deposits; the level of settlement of funds received on deposits; deposit utilization rate; value of deposits, etc.; analysis of the development of the customer base of banks; analysis of the effectiveness of the formation and use of bank deposits. To form an effective deposit policy, it is necessary to: focus on potential depositors; develop new competitive products targeted at different categories of investors; develop a separate deposit policy for VIP-clients; pursue an active advertising policy; improve and implement remote customer service systems. It is noted that the definition of theoretical and practical principles of the procedure for conducting and organizing the analysis of deposit operations of the bank, will provide management with the necessary and important information for making quality management decisions in the field of deposit policy of the bank.