ASSESSMENT OF THE INFLUENCE OR REGIONAL FACTORS ON THE DEPOSIT POLICY OF COMMERCIAL BANKS

The article analyzes the deposit market of the Russian Federation both for the whole country and in the regional context, and provides data on funds of the population attracted in the form of deposits into commercial banks over several years. The relevance of the article is due to the fact that in an economically unstable situation, the primary task of commercial banks is to maintain their financial liquidity and solvency. Taking into account the specificity of commercial banks, more than 80% of their resource base is represented by deposits of their clients. However, the volume of funds attracted from the population into deposits is very unevenly distributed among the regions of Russia. In this regard, the need to determine regional factors that have a direct impact on the amount of attracted resources increases. The methods of horizontal and vertical analysis were used to analyze the deposit market in Russia. A correlation-regression analysis was applied to determine the factors that have a direct impact on the amount of funds raised in deposits. As a result, the study identifies the main regional factors that should be taken into account by commercial banks in deposit policy making.