COMMERCIAL BANK RESOURCES IN BUSINESS FINANCES FROM THE ASPECT OF THEIR SOURCES

Abstract

The sources of bank resources are three synthetic groups (categories) of resources: deposit sources, non- deposit sources and bank capital. Since each of these three categories has a heterogenous character, they need to be divided due to their different characters and effect on the factors upon which the rationality of managing bank resources depends. This way, the deposit sources, also called deposit potential in literature, are divided into demand deposits, savings deposts, time deposits and other deposits, which can be further divided into the accounts of the monetary market, current deposit accounts and other deposits. The structure of the bank source depends on a multitude of factors. Theoreticians of the banking system agree that the deposit potential is mostly affected by: the character of the monetary politics, development of the economy and income level, affinity towards savings and savings rate, the development level of financial markets, interest rates, current and expected inflation rate, alternative forms of investment of free and monetary means, foreign trade factors etc.