Principles of forming a deposit portfolio of a commercial bank. Indicators characterizing the deposit portfolio. Contract time

Analysis of the value of the deposit portfolio begins with a study of the dynamics of the bank's interest expenses on obligations (attracted and borrowed funds) in general and by type of deposit resources, then the nominal and real value of deposits is determined by category of depositors.

The basis for calculating the real value of deposit resources is their nominal value.

The average nominal value of deposit resources is determined as the ratio of the bank's expenses on deposit accounts, issued deposit and savings certificates (accrued and paid interest) to the average balances on the corresponding accounts of deposit resources.

At the end of the analysis of the deposit portfolio, taking into account the results obtained during the analysis, as well as the main qualitative characteristics of the deposit portfolio, its assessment is given (Table 2.12).

The volume and structure of the deposit portfolio must meet the bank's needs when allocating resources, including specified parameters (planned indicators) for their further management.

According to the methodology for assessing the deposit policy of a commercial bank, an assessment of the adequacy of deposit resources attracted by a commercial bank is given at the third stage.

Table 2.2

Valuation of the deposit portfolio of a commercial bank

In general, the assessment of the sufficiency of deposit resources is carried out in the course of monitoring the implementation of planned indicators established for deposit operations, taking into account the general goals of managing deposit resources.

Management of deposit resources, in our opinion, should be understood as a set of actions aimed at forming a deposit portfolio that meets the needs of the bank in the area of ​​placement of deposit resources, ensuring liquidity and an acceptable level of profitability.

When assessing a bank’s deposit policy, information about the impact of the state of management of deposit resources on current activities in the structural divisions of a credit institution may be important. Such information may be provided by the internal control function.

The main goals determining the need for deposits for the coming period (year, half-year, quarter, month) are:

The first thing that determines the need for deposits is to ensure that the process of placing funds in full with deposit resources, in other words, the continuous carrying out of active operations that generate income. From our point of view, two approaches can be used to solve this issue. One is based on planned indicators for the development of active operations for the coming period and involves the establishment of specific targets for increasing the total volume of attracted resources and deposit resources in particular. At the same time, the structure of the deposit portfolio is planned in advance, which leads to some adjustment of the tactics used by the bank in the process of organizing and conducting deposit operations and marketing strategies.

Another approach is based on one of the most important tasks of the bank - minimizing the costs of attracting funds to deposit accounts and simultaneously ensuring the necessary structure of the deposit portfolio by customer categories, terms and types of deposits. Ultimately, the problem of the required volume of deposit resources to implement development plans for bank operations at minimal costs is solved.

The second thing on which the need for deposit resources depends is maintaining the bank’s liquidity, that is, its ability to ensure the timely and full fulfillment of its monetary and other obligations arising from transactions using financial instruments at the expense of assets at the bank’s disposal or by obtaining loans for money market, including the interbank credit market.

Depending on the conditions on which the bank deposit agreement is concluded, the bank must be ready to return funds on demand (demand deposits and time deposits of individuals) or after the expiration of the period stipulated by the agreement or the occurrence of conditions stipulated by the agreement (deposits deposited under other return conditions).

Maintaining liquidity at a level acceptable to the bank can be ensured by:

In theory and practice, bank liquidity is considered in interaction with its profitability. In the process of asset management, banks almost always face the “profitability - liquidity” dilemma. We are talking about the main issue that any economic agent (including a bank) has to decide when concluding a transaction or carrying out any financial transaction, namely, the choice of the ratio of income and risk. In other words, the bank may experience liquidity tension not only in connection with the behavior of depositors (in this case this is only one of the possible problem situations), but also to a large extent from the choice of the most acceptable solution when posing the dilemma “profitability - liquidity” in the context banking strategy and tactics.

Thus, the management of deposit resources of a commercial bank, attracted in a sufficient amount, is designed to ensure maximum efficiency of their use.

The fourth stage of assessing the deposit policy of a commercial bank is determining the efficiency of using deposit resources.

We can talk about achieving efficient use of deposit resources only if: liquidity is maintained at a level acceptable for the bank; the entire set of deposit resources is used and a high level of profitability is ensured (profit on invested deposit resources).

Maintaining liquidity at a level acceptable to the bank allows the bank to:

The use of the entire aggregate of deposit resources as a necessary condition for ensuring the efficient use of deposit resources seems extremely important, since the deposit base was initially intended to be placed in income-generating assets. In this regard, the issue of the timing of investment of deposit resources and interest rates on loans becomes particularly acute. The latter circumstance is directly related to the cost of resources, as well as to the determination of the planned expenses for ensuring the operation of the bank, the planned level of profitability of the bank’s credit operations with minimal risk and the risk premium.

As is known, the timing of resource placement must correspond to the timing of raising funds to bank and deposit accounts, which is extremely important for managing resources and risks, including liquidity risk. With the stable functioning of the economy (and therefore all economic entities), the banking system (a systemic crisis is excluded), a high level of management in the bank (asset and liability management, risks) and a well-functioning system of analysis and information support for the activities of various divisions of the bank, transformation of resources is allowed before in total, deposit resources (allocation of bank resources into assets with longer maturities than the period for their attraction).

Thus, the bank’s deposit policy can be updated based on an analysis of the implementation of its tasks and the constantly changing market situation. Therefore, it is important that the methods and methods of implementing deposit policy (bank tactics) are adequately adjusted, specifying and clarifying the bank’s deposit activities.

To effectively manage the deposit portfolio and in order to reduce risk, mathematical calculations are used and a number of indicators are calculated that characterize the bank’s resource base, such as:

• - average period of storage of funds;
• - level of deposition of funds received in deposits;
• - transformation ratio;
• - weighted average term of deposits;

Tables 5 and 6 show an estimate of the volume of transfers to deposits of the branch of OJSC CB Petrocommerce in Arkhangelsk.

Table 5 - Estimation of the volume of transfers to the deposits of individuals of the branch of OJSC CB Petrocommerce in Arkhangelsk

The level of deposit of funds on deposits (Vo) characterizes their stability, which allows the branch to use their long-term lending resource and increases the liquidity of the bank, determined by the formula:

where Ok is the balance of deposits at the end of the analyzed period;

It is the balance at the beginning of the analyzed period;

P - receipt of funds in deposits.

For the branch of OJSC CB Petrocommerce in Arkhangelsk, the level of deposits on deposits for 2013-2014:

The reduction in the level of deposits means that in 2014, slightly less funds received on them began to be deposited in accounts than in 2013.

Table 6 - Estimation of the volume of transfers to deposits in the branch of OJSC CB Petrocommerce in Arkhangelsk

The average shelf life of a deposited ruble (SD) is determined by the formula:

where OSR is the balance of deposits, determined by the average chronological formula;

B - turnover for the issuance of deposits;

D - number of days in the analyzed period.

For the branch of OJSC CB Petrocommerce in Arkhangelsk, the average shelf life of deposited rubles for 2013-2014. for a period from 31 to 90 will be:

Deposits of individuals for a period of 31 to 90 days can be used as resources only to provide “short-term” resources.

For other funds raised for a period of 1 to 3 years, the average storage period for deposited rubles was 1075 days in 2014, which allows the branch to place funds in longer-term projects.

In the process of liquidity analysis, the issue of correspondence between the terms of deposits and the terms of funds in an active operation is considered. In order to establish the limit to which it is possible to direct short-term resources into medium and long-term investments, it is necessary to determine the coefficient of transformation of short-term resources into long-term ones. The transformation coefficient is determined by the formula:

where R is the bank’s short-term resources (funds in customer accounts, deposits and deposits for a period of 1 year);

S - short-term loans (grant period up to 1 year).

For the branch of OJSC CB Petrocommerce in Arkhangelsk, the value of this indicator is:

The reason for the high level of this indicator within the period under review is the significant level of turnover from the receipt of funds into deposit accounts for up to 1 year. The branch has great potential for placing attracted deposits into loans with the least likelihood of risks.

To develop a deposit policy and adjust it, it is necessary to determine the weighted average term (Tav) and the weighted average interest rate (Rav) for attracting deposits for each maturity group of attracted funds.

The weighted average term for each maturity group (with the exception of demand deposits) is calculated using the formula:

where V1, V2, … Vn is the volume of the deposit, contribution under the agreement for the nth transaction;

T 1, T 2, ... Tn - term under the agreement for each transaction.

For the branch of OJSC CB Petrocommerce in Arkhangelsk, the values ​​of these indicators will be:

Thus, in 2014 the weighted average term of deposits will decrease.

One of the sources of formation of the resource base of banks is attracted funds in the form of deposits. Let us analyze the procedure for attracting deposits from the population in terms of timing and volumes of attraction, presented in Table 7.

Table 7 - Structure of funds raised from individuals in the branch of OJSC CB Petrocommerce in Arkhangelsk

From the table data it follows that the population prefers to place their funds in time deposits. They pay owners a higher interest rate than demand deposits.

The branch is interested in attracting time deposits, since these funds can be used for long-term investments.

Individuals mainly place their funds in deposits for a period of 181 days to 1 year. At the same time, there is a growing trend in the share of deposits with a maturity of 1 to 3 years. In 2015 it was 37.1% versus 16.9%. This has a positive effect on balance sheet liquidity.

If on demand deposits depositors have the right to demand money at any time, then time deposits are at the disposal of the bank for a relatively long period. Therefore, an increase in the share of demand deposits and a decrease in the share of time deposits reduces bank liquidity. To maintain it, the bank is developing strategies aimed at increasing long-term deposits.

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Before you begin to formulate the main directions of deposit policy, it is necessary to analyze the composition and structure of the bank's deposit portfolio. The JSB Belarusbank was chosen as the bank being analyzed, where, using the example of one of its branches, its activities in attracting free funds into deposits will be examined. As you know, this bank is the legal successor of the former Savings Bank and it accumulates a significant part of the population’s deposits. Therefore, most of the analysis is occupied by consideration of household deposits.

First, let's look at the structure of household deposits in terms of the method of their withdrawal (see Tables 1 and 2).

These tables provide data on the bank's ruble and foreign currency deposit portfolios on household deposits for three years. As shown, in 1997, demand deposits dominated in ruble deposits, the share of which amounted to 58.5% of the total amount of these deposits. The overwhelming majority of these deposits are accounts into which the population's wages are credited. The excess of demand deposits over time deposits by 17.3% indicates the low attractiveness of the latter, which is why the population left a significant part of the funds in current accounts.

In the composition of time deposits, the largest shares are occupied by deposits with maturities of 6 months (12.97%) and 12 months or more (15.4%). This shows the population's propensity to save for long periods of time. This was facilitated by acceptable interest rates, as well as relative stability in the economy. Attraction of long-term resources by the bank helps to increase the stability of the resource base and increases the possibilities of long-term lending. Also of interest is the share of one-month deposits, which amounted to 7.23% of all ruble deposits of the population. They exceed deposits for a period of 3 months, which occupy only 5.57% of the attracted resources of the population. All this indicates that some depositors prefer to divert their funds only for a month, considering other, longer-term types of deposits unattractive, and possibly fearing changes in the economy.

It should be noted that the funds raised include savings certificates. True, their share among deposits is very small (only 0.28%), which indicates the relative underdevelopment of this instrument compared to traditional deposits. However, the very presence of certificates indicates the bank’s interest in raising funds using methods of various qualities.

The situation is somewhat different with the bank’s foreign currency deposit portfolio for household accounts. Term deposits dominate here. Their share among all foreign currency deposits was 57.8%, which indicates the population’s propensity to save money in foreign currency. Of the time deposits, more than a third are deposits for a period of 3 months, therefore, this is the most attractive type of foreign currency savings. The high share of long-term deposits (18.5%) is also of interest. This indicates the ability of the population to divert significant foreign currency funds for long periods, which allows issuing long-term foreign currency loans or using them in other active operations. A slight lag in the share of deposits of deposits for a period of 6 months allows us to conclude that they are also relatively attractive. Indeed, otherwise their share would be significantly lower.

It is now necessary to consider changes in deposit portfolios as of 1998. The overall increase in ruble deposits amounted to 32.8%. This was achieved due to an increase in the share of time deposits, which amounted to almost 54% of all ruble deposits of the population. The reason for this can be considered to be the increased attractiveness of these deposits due to rising interest rates, as well as relative stability in the economy. This is evidenced by a sharp decline in the share of time deposits for a period of one month. The population began to invest their money for longer periods. Deposits for a period of 12 months or more remain the most attractive. The shares of deposits for 3 and 6 months have decreased slightly, but they are still used by the population, which is confirmed by their growth in absolute terms by 107 million and 88.8 million rubles, respectively.

The situation with the foreign exchange portfolio was different. The increase in deposits for the year amounted to 17.7%. The share of demand deposits decreased by almost 2 times. This is explained by the fact that in 1997, through Belarusbank, payments were made of one-time benefits from the Mutual Understanding and Reconciliation Fund, as well as quarterly benefits to former soldiers of the Polish army from the Embassy of the Republic of Poland. In the reporting year, there were fewer clients receiving the above payments. Against the backdrop of a decrease in the share of demand deposits, the share of time deposits increased significantly (up to 76.6%). As with ruble deposits, the share of long-term attracted resources in their composition has increased. Deposits with a shelf life of 3 months decreased to 15.5%, while 6-month deposits increased to 23%, and annual ones - to 37.5%.

This is very beneficial for the bank from a liquidity standpoint; however, at the same time, there is an increase in interest costs on deposits.

It is impossible not to dwell on the situation with certificates. During the reporting period, their share dropped to 0.01%. This signals the unattractiveness of this instrument among clients and the need to reconsider the terms of their implementation and circulation.

At the beginning of 1999, there was an increase in the ruble deposit portfolio by almost 70%. There was also an increase in demand deposits by 4979.8 million rubles and their share in the ruble portfolio to 48.8%. This can be explained by an increase in the minimum wage and, as a consequence, an increase in the amounts received in bank accounts as wages for employees of enterprises and organizations. At the same time, the amount of time deposits increased (an increase of 4463.8). This also indicates an increase in household income, which is reflected in savings. In the composition of time deposits, the share of deposits for a period of 1 month decreased to a minimum and amounted to only 0.53% of all ruble deposits. This is a clear example of the loss of attractiveness of this type of deposit. To change the situation, it is necessary to change the conditions for this deposit, including the interest rate. Deposits for a period of 3 months also decreased (decreased by 4 million rubles). Consequently, they also lose their attractiveness and the population prefers other investment conditions. The population redistributed these funds into longer-term investments, as evidenced by a three-fold increase in the amount of deposits for up to 6 months and a 3.5-fold increase in deposits for 1 year or more. The share of certificates amounted to a thousandth of a percent, which indicates a lack of demand for these products.

Several other changes occurred in the foreign exchange portfolio. The total increase in cash amounted to 15,523.4 million rubles (an increase of 3.5 times). At the same time, balances on demand accounts continued to decline, despite the increase in the official foreign currency exchange rate. The reason for this was a decrease in account balances of clients receiving quarterly payments from the Embassy of the Republic of Poland. The growth of time deposits was 4.2 times, and it was achieved due to the growth of balances in accounts with a shelf life of 12 months or more. It follows from this that the population is most satisfied with the conditions for storing funds on these deposits, and also that they have the opportunity to save long-term foreign currency funds.

Now let’s look at the situation with the number of household accounts opened in the bank (see Table 3).

As of the beginning of 1997, the bank opened 40,076 accounts for the population. Of these, about 42.5 were on demand deposits and approximately 57.5 were on time deposits. It should be noted that in 1996, a consolidation of current deposits of the population was carried out, on which there was no movement for a long time. As of the beginning of 1996, 34,546 demand accounts were opened in the bank. And now they have been combined and only 16,841 remain, which has greatly facilitated the work of the service personnel. All foreign currency deposits accounted for only 0.7% of the total population's accounts, with demand deposits accounting for 0.5%. Therefore, the bank services mainly ruble accounts. By the number of demand accounts, one can judge the work done by the bank in servicing these labor-intensive accounts. The high share of time deposits is achieved through compensation accounts intended to cover household losses from the depreciation of their deposits in the early 90s. They occupy about three-quarters of all urgent accounts.

As of 1998, the total number of accounts decreased by 53. This was due to a decrease in the number of demand deposits in foreign currency (by 93), which is confirmed by the data in Table 2, and time deposits in rubles (by 209). Regarding the latter, it should be noted: according to Table 1, there was an increase in funds in these accounts by 1.5 times. Consequently, the population began to store larger amounts of money. The increase in the number of ruble demand accounts indicates that the bank is attracting additional clients to service it.

By 1999, the following situation had developed. The decrease in the total number of accounts continued, and they decreased by 1,843 accounts. The reason for the decline was a decrease in the number of demand accounts. At the beginning of the year, special savings accounts were opened, into which deposit balances with amounts not exceeding 1,000 rubles were credited. Also, there is a noticeable continued decline in the number of foreign currency demand accounts and time deposits in rubles. A slight increase in the number of time deposits in foreign currency and a significant increase in funds on them indicates an increased amount of foreign currency funds invested by the population. An increase in the amount of funds deposited into ruble time deposits and on demand is evidenced by a decrease in their number and an increase in the volume of funds on them.

The dynamics of the number of accounts can be seen in the diagrams in Appendices 1 and 2. As we can see, demand deposits, time deposits in general and time deposits for 12 months behave relatively stable. The reason for this is their large number, which hides minor changes in the deposit portfolio. The situation is different with time deposits with a maturity of up to 12 months. As we can see, during this period there was a sharp drop in the number of deposits with a period of 1 month due to the loss of their attractiveness among the population. At the same time, there was an increase in the number of accounts with a maturity of 6 months, which is evidence of their growing attractiveness.

Now let’s analyze the structure of the deposit portfolio depending on the type of depositor, that is, the distinction will be made by deposits of legal entities and individuals (see Figure 2)

In the diagrams you can see a tendency towards an increase in account balances of both legal entities and individuals. For a more complete analysis, we will use the data from Table 4.

As we can see, as of the beginning of 1997, the bank's deposit portfolio was significantly dominated by household deposits. Their share was 81.8%. Consequently, at that time this bank generated more than three-quarters of its credit resources from the free funds of the population. Half of all funds raised are ruble accounts, which expands the possibilities for conducting active transactions in rubles. The share of foreign currency deposits of the population is almost 30% of all bank resources. Against this background, the share of deposits of legal entities stands out slightly - only 18%, of which 30% are foreign currency funds. The total amount of attracted bank resources amounted to 19,088.46 million rubles.

As of the next reporting date, there was an increase in attracted resources by 14,062.9 million rubles (by 74%). In the context of the types of depositors, it can be noted that the growth was largely due to an increase in ruble funds of legal entities (5 times), which increased their share in the bank’s resources to 36.7%. This high pace is ensured by the transfer of accounts of budgetary organizations to Belarusbank for servicing, as well as the attraction of several new clients. A slight increase in foreign currency balances on enterprise accounts indicates poor spending and insufficient foreign economic activity. With regard to household funds, it should be said that their share has decreased slightly against the backdrop of an increase in funds in the accounts of legal entities. However, in absolute terms, ruble balances increased by 3360 million rubles (33%), foreign currency balances - by 943.4 (17.6%).

In 1999, the situation was as follows: the bank's attracted resources increased by 48,243.8 million rubles (2.5 times). The share of funds of legal entities increased to 44.9% in the total volume of resources, and both ruble funds (by 21,129.2 million rubles) and foreign currency funds (by 2,148.7 million rubles) increased. This indicates an increase in funds circulating in accounts. In the population's resources, the greatest increase was achieved in foreign currency accounts, which increased by 2.3 times. This happened due to the growth of exchange rates and an increase in the population’s propensity to save in foreign currency. Ruble funds increased only 1.7 times.

Taking into account changes in the shares of deposits in the deposit portfolio over the two analyzed periods, it can be assumed that in future periods deposits of legal entities will dominate.

Appendix 3 shows the dynamics of bank checkable deposits by category of depositors. As can be seen, check accounts of individuals dominated during this period, and their jump in the last quarter is explained by the fact that in addition to loans, funds from compensatory government bonds began to be credited to these accounts.

Ssr = Osr / V * D (1)

USSR- the average shelf life of a deposited ruble in days;

OSR- average daily balances in rubles;

IN- turnover on issuing deposits;

D- number of days in the period.

This indicator reflects the dynamics of the stability of deposits, which is especially important when assessing bank deposits as short-term lending resources. The result obtained shows the period of time during which the bank can use funds attracted into deposits for active operations. Now let's calculate this indicator for the first quarters of 1997-98 (in billion rubles).

USSR(1997) = 11.612 / 117.7 * 90 = 10 (days),

including: by household deposits on demand USSR(1997)=73.5 days,

on time deposits of the population USSR(1997) = 159.4 days,

for legal deposits persons USSR(1997) = 1.8 days.

USSR(1998) = 44.386 / 263.23 * 90 = 15.2 days,

including: demand deposits of the population of the USSR (1998) = 55.2 days,

time deposits of the population USSR(1998) = 211 days,

legal deposits persons USSR(1998) = 4.7 days.

As you can see, the average shelf life of deposited rubles for the reporting date was on average 15 days. This means that invested funds throughout the bank’s deposit portfolio are deposited in accounts for an average of 15 days, with funds remaining the longest (211 days or 7 months); Next come the population's demand deposits (55 days or 1.8 months); and then deposits of legal entities (almost 5 days). From the calculations it is clear that household deposits are deposited in bank accounts for longer periods, that is, they are more stable. This is due to the fact that most demand deposits of the population are intended to pay them wages and pensions and, therefore, are used once or twice a month. And in the accounts of legal entities, the movement of funds occurs several times a week, which is associated with their production activities. As a result, it turns out that the period for depositing funds on them is much shorter.

Compared to the same period of the previous year, there was an increase in the size of the indicator USSR, with the exception of funds stored in demand deposits of the population. This indicates that people prefer not to store large amounts of money in these accounts.

The second indicator is the level of deposit of funds received in deposits. To calculate it, the following formula is used:

Uo = (Ok - He) / P * 100 (2)

Whoa- level of subsidence of funds received in deposits;

OK- deposit balances at the end of the period;

He- deposit balances at the beginning of the period;

P- receipts in deposits.

This indicator reflects the portion of funds received as deposits that are not spent by the depositor and are deposited in the account. Based on it, banks analyze the results of deposit policy and the possibilities of implementing credit policy. Let's calculate the level of subsidence of funds for the 1st quarter of 1997-98.

For the 1st quarter of 1997 we get the following numbers:

Whoa(1997) = (16214,5-11653,7)/262451,9 *100 = 3,72 %

Including: on demand deposits of the population Whoa(1997)= 23,2%,

on time deposits of the population Whoa(1997) = 11,4%,

on deposits of legal entities Whoa(1997) = 1.2%

For the 1st quarter of 1998 we get the following figures:

Whoa(1998) = (31512,13-28788,5)/262451,9 * 100 = 1,04%

including: on demand deposits of the population Whoa(1998) = 1,9%,

on time deposits of the population Whoa(1998) = 27,6%

on deposits of legal entities Whoa(1998) = 0,5%

As can be seen from the calculations, in 1997 the level of subsidence of funds received as deposits in the bank’s deposit portfolio decreased by 3.6 times and amounted to 1.04%. This means that almost 4 times less money received on the accounts began to be deposited than at the beginning of the year. Increasing the indicator Whoa occurred only on time deposits of individuals, because these accounts are intended for long-term storage of funds. This also confirms its high share compared to other contributions. For demand accounts of both the population and legal entities, there was a decrease in the value of the indicator Whoa, and for household deposits the rate of decline was much higher. This indicates that depositors in demand accounts almost completely withdraw the amounts received by them: the population - for current consumption, enterprises and organizations - for carrying out their economic activities.

Let's summarize. As you can see, the bank has a fairly extensive deposit portfolio, and it contains ruble and foreign currency deposits of the population and legal entities, as well as checkable deposits. As of the last reporting date, household deposits prevailed among borrowers; however, they exceeded the deposits of legal entities by only 10%. In terms of the type of currency deposited, deposits in rubles dominate, their share is about 70% of the total deposit portfolio. A significant share of ruble resources increases the bank’s capabilities in lending to the population and business entities. Over the past year, cash balances on all deposits have increased 2.5 times. This is a positive factor, because as a result of the growth of the deposit base, the bank has the opportunity to expand its active operations. The bank also benefits from a high share of funds in legal entity accounts, since a minimum interest is paid on these accounts. The next chapter will talk about measures that banks can use to increase their attracted resources.

Analysis of the structure of the deposit portfolio and deposits of Sberbank of Russia OJSC

Currently, the Russian banking market offers a significant selection of deposits, this, in turn, has led to the emergence of competition between commercial banks as a result of setting their prices.

The analysis of the performance indicators of commercial banks in Russia allowed us to determine that the first place in the top ten largest banks attracting deposits is occupied by Sberbank of Russia OJSC (Table 2.9). The results of this analysis show that the deposit portfolio of Sberbank of Russia OJSC in 2014 exceeded the portfolio of VTB 24 PJSC by 5.9 times, and as of January 1, 2015 - by 4.7 times, as deposits of Sberbank OJSC decreased Russia" by 14.9%.

Table 2.9 - Place of Sberbank of Russia OJSC in the rating of commercial banks by the size of deposits in 2013-2015.

Also, according to Table 2.9, it is clear that the first seven leading banks maintained their positions throughout 2013-2015. The largest increase in funds raised in the top ten for 2013-2015. demonstrated by OJSC Gazprombank, OJSC Rosselkhozbank. A number of leading banks showed negative values ​​altogether - Alfa Bank OJSC, Raiffeisenbank OJSC, Home Credit Bank OJSC, Russian Standard OJSC. Almost all large banks are focused on time deposits, since the share of demand deposits in their portfolios does not exceed 20%.

Let us analyze the structure of the deposit portfolio of time deposits of individuals of Sberbank of Russia OJSC for 2012 - 2014. (Table 2.10).

Table 2.10 - Dynamics of the structure of the deposit portfolio of individuals by terms of placement in Sberbank of Russia OJSC for 2012 - 2014.

An analysis of the structure of the deposit portfolio of individuals by terms of placement in Sberbank of Russia OJSC for 2012 - 2014 was carried out. shows that the largest share in terms of terms falls on deposits from 1 to 3 years, they account for 68.27% as of 01/01/2012, 65.39% as of 01/01/2013 and 67.46% as of 01/01/2014.

The structure of the deposit portfolio of individuals of Sberbank of Russia OJSC for 2012-2014 is presented in Figure 2.4.

A significant share falls on deposits with a maturity of 181 days to a year. We can say that the share of these deposits is stable and amounts to 16% in the total deposit portfolio, despite its slight growth in 2013.

Figure 2.4 - Structure of the deposit portfolio of Sberbank of Russia OJSC by terms of attraction

There is a negative dynamics of deposits with a term of over 3 years from 9.09% at the end of 2012 to 7.45% at the end of 2014, at the same time there is an increase in deposits with a term of 31 days to 90 days, their share has increased from 1.62% to 4.17%. The share of deposits with a maturity of 91 days to 180 days is stable; for the last two years their share has been 4.21%. Despite the positive dynamics of deposits up to 30 days, their share in the deposit portfolio is less than 1%.

Currently, the bank’s reporting according to Russian accounting standards for 9 months of 2014 has been published on the official website of Sberbank. According to which, against the background of a slight increase in net profit (by only 0.2% compared to the same period in 2013), the bank was faced with an outflow of funds from individuals. In September, the volume of the deposit portfolio decreased by 0.4% - to 8.058 trillion. rubles

Difficulties with increasing...