Analysis of some indicators of the status of deposits of the banking system of Ukraine

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Visnyk LNAU: Economics of AIC 2020 №27: 113-116

Analysis of some indicators of the status of deposits of the banking system of Ukraine

Hrubinka I., Ph.D.
Separated Subdivision of National University of Life and Environmental Sciences of Ukraine «Mukacheve Agrarian College»
Kolodii A., Ph.D.
Lviv National Agrarian University

https://doi.org/10.31734/economics2020.27.113

Annotation

The article considers the nature and economic purpose of deposits in the economic system of Ukraine and their perception of economic actors. The paper shows the importance of establishing effective deposit base for sustainable economic development of the country. The work describes the structure of deposits according to terms of their attraction: demand deposits up to 1 year, deposits over 1 to 2 years, more than 2 years. The analysis of the reasons for such structuring of bank investment in Ukraine in terms of national and foreign currencies is made in the work. The reasons for placing longer-term foreign currency deposits are shown, since such actions guarantee greater protection of deposits against currency fluctuations and against permanent fluctuations in the level of inflation, as well as the downside of the short-term deposits in national currency. Trends of possible further developments of deposit investments on the basis of their dynamics over the last 5 years are developed in the article. The article presents results of the research on some of the relative indicators characterizing the development of the deposit market, in particular, the ratio of deposits to GDP and their dynamics in comparison with the average wage. The work supplies conclusions about the negative trends in the reduction of the share of deposits in GDP of poor term structure, and therefore the lack of long-term and cheap credit resources for the sustainable development of the economy. The factors influencing the volume, structure and value of the deposit investments are described. The differences in the conditions of formation of the deposit base of banks and banking institutions in the developed countries are analyzed, and attempt to determine the reasons for these differences is made on the work.

Key words

deposit, banking system, credit resources, urgency, deposit rate, the level of confidence, inflation, exchange rate, extrapolation, trend, deposit dynamics, sustainable development, credit system

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