Role of Depository Market in Banking System of Rk

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Introduction…….………………………….……………………………….3 1.Resources of commercial banks: composition and structure……...…….5 2.Analysis of the deposit operations of "Halyk Bank of Kazakhstan".…..17 3.Proposals to improve the system of banks deposit in Kazakhstan…..…24 Conclusion…………..……………………………………………………..29 List of references……….…………………………………………………31

INTRODUCTION

Bank deposit market as part of a banking policy as a whole, whose main purpose is to attract the largest possible amount of financial resources at the lowest price, assist in the process of obtaining a bank deposit operations profit or create the conditions for a profit in the future, also performs several important functions in efficient operation of banks: maintaining the necessary level of liquidity, holding a flexible interest rate policy, the development of banking services and the quality and culture of customer service. Therefore, the object of this work is to deposit market, its organization and structure. The subject of research is the organization of deposit operations directly on the territory of the Republic of Kazakhstan. Consequently, the purpose: to identify problematic aspects of the formation of the deposit market commercial bank, examining its organization in the Republic of Kazakhstan. The objectives:

examine the management of the deposit market in the commercial banks of the Republic of Kazakhstan •determine the features of interest policy for deposits
identify problematic aspects of the deposit of the bank. The methodological basis of the study are theoretical data of special educational literature on banking operations, becoming a specialist in the field of economics, on issues of the deposit market, the Law of the Republic of Kazakhstan "On mandatory guaranteeing of deposits placed in banks of the Republic of Kazakhstan", dated July 7, 2006.

1.Resources of commercial banks: composition and structure

Resource base plays a vital role in the activities of commercial bank. That is determined by the fact that commercial banks may carry out credit and other active operations within the available resources, which ultimately has an impact on the final result - profit. Banks are constantly concerned with the formation of the resource potential and its stability. Resources of commercial banks are a combination of own and borrowed funds available and used for the implementation of active operations. Management of bank resources is a complex and multifaceted problem with no single solution and requires a systematic analysis of the banks' assets and liabilities. Fundamental principle of commercial bank activity is operation within existing resources. This means that commercial banks should provide not only a quantitative adequacy between its resources and credit investments, but also ensure compliance of the specific nature of the banking assets with peculiarity of its mobilized resources. The main strategic objective of the bank's provision of resources is to increase the resource base while maintaining liquidity and profitability. The resource base of the bank, liquidity, profitability - these are the foundations on which the entire mechanism of banking is built. Interconnection of these categories carries certain contradictions. Resource base reflects the level of the market position of the bank, and the opportunities that the bank has to conduct business. That is a quantitative indicator; it determines the capacity of funds available to the bank at a particular time. Resources can be used for both short-term and long-term investments. Long-term investments are more appropriate to the long-term nature of resources, but in terms of inflation and instability, obtained funds of the bank are usually short-term. The structure of banking resources in various banks can be different. It depends on many factors, including the...
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