Archive Issue
International Interdisciplinary Scientific Journal "Expert"
Volume 1, Issue 6 (2024)
Language of the original article: English
ABSTRACT. Deposit management is a critical component of financial stability and banking sector development. In the context of increasing macroeconomic volatility, effective deposit strategies ensure liquidity, mitigate risks, and foster public trust in financial institutions. This article explores the conceptual foundations and practical mechanisms of deposit management within the EU banking sector and contrasts them with the Ukrainian experience. The study focuses on institutional frameworks, deposit insurance systems, regulatory standards, and behavioral patterns of depositors. Based on comparative analysis of legal and financial data from the National Bank of Ukraine (NBU), the European Banking Authority (EBA), and relevant EU directives, the article identifies key differences in deposit maturity structures, currency composition, interest rate policies, and depositor confidence. The findings emphasize the importance of integrated legal frameworks, reliable deposit protection mechanisms, and customer-oriented banking practices. Recommendations are provided to optimize the currency structure of deposits, increase the share of long-term savings, and strengthen trust in the Ukrainian deposit insurance system.
Keywords: deposit management, EU banking sector, National Bank of Ukraine, deposit guarantee, financial stability, interest rate policy, depositor trust..
2. Avgouleas, E., & Goodhart, C. (2015). Critical Reflections on Bank Bail-ins. Journal of Financial Regulation, 1(1), 3–29. https://doi.org/10.1093/jfr/fju009
3. European Banking Authority (EBA). (2020). Report on Deposit Guarantee Schemes across the EU. Retrieved from https://www.eba.europa.eu
4. Huertas, T. F. (2014). Safe to fail : how resolution will revolutionise banking. Palgrave Macmillan. https://doi.org/10.1057/9781137383655
5. Claessens, S., Coleman, N., & Donnelly, M. (2018). “Low-for-long” interest rates and bank risk-taking: Theory and evidence. Journal of Financial Intermediation, 35, 1–16. https://doi.org/10.1016/j.jfi.2017.05.004
6. Diamond, D. W., & Rajan, R. G. (2001). Liquidity risk, liquidity creation, and financial fragility: A theory of banking. Journal of Political Economy, 109(2), 287–327. https://doi.org/10.1086/319552
7. Gennaioli, N., Shleifer, A., & Vishny, R. (2015). Money Doctors. Journal of Finance, 70(1), 91–114. https://doi.org/10.1111/jofi.12188
8. IMF. (2021). How the Pandemic Affected Deposit Trends in Emerging Europe. Retrieved from https://www.imf.org
9. National Bank of Ukraine (NBU). (2023). Financial Stability Report. Retrieved from https://bank.gov.ua
10. Kovalenko, M. (2017). DEPOSIT POLICY BANKS IN UKRAINE AND ITS IMPACT ON THE EFFECTIVENESS OF DEPOSIT ATTRACTION OF RESOURCES. Investments: Practice and Experience, 2, 39–44. Retrieved from http://www.investplan.com.ua/pdf/2_2017/9.pdf
11. Kneysler, O., Spasiv, N., Marynchak, L., & Khomyn, I. (2019). Deposit policy of Ukrainian banks: current realities and prospects. Banks and Bank Systems, 14(2), 76–88. https://doi.org/10.21511/bbs.14(2).2019.07
World Bank. (2022). The World Bank Group in Ukraine, 2012–20: Country Program Evaluation. Washington, DC: The World Bank. Retrieved from https://ieg.worldbankgroup.org/sites/default/files/Data/Evaluation/files/Ukraine_CPE.pdf
ABSTRACT. Deposit management is a critical component of financial stability and banking sector development. In the context of increasing macroeconomic volatility, effective deposit strategies ensure liquidity, mitigate risks, and foster public trust in financial institutions. This article explores the conceptual foundations and practical mechanisms of deposit management within the EU banking sector and contrasts them with the Ukrainian experience. The study focuses on institutional frameworks, deposit insurance systems, regulatory standards, and behavioral patterns of depositors. Based on comparative analysis of legal and financial data from the National Bank of Ukraine (NBU), the European Banking Authority (EBA), and relevant EU directives, the article identifies key differences in deposit maturity structures, currency composition, interest rate policies, and depositor confidence. The findings emphasize the importance of integrated legal frameworks, reliable deposit protection mechanisms, and customer-oriented banking practices. Recommendations are provided to optimize the currency structure of deposits, increase the share of long-term savings, and strengthen trust in the Ukrainian deposit insurance system.
Keywords: deposit management, EU banking sector, National Bank of Ukraine, deposit guarantee, financial stability, interest rate policy, depositor trust..
References
1. European Parliament and Council. (2014). Directive 2014/49/EU on Deposit Guarantee Schemes. Official Journal of the EU, L 173/149. Retrieved from https://eur-lex.europa.eu/eli/dir/2014/49/oj/eng2. Avgouleas, E., & Goodhart, C. (2015). Critical Reflections on Bank Bail-ins. Journal of Financial Regulation, 1(1), 3–29. https://doi.org/10.1093/jfr/fju009
3. European Banking Authority (EBA). (2020). Report on Deposit Guarantee Schemes across the EU. Retrieved from https://www.eba.europa.eu
4. Huertas, T. F. (2014). Safe to fail : how resolution will revolutionise banking. Palgrave Macmillan. https://doi.org/10.1057/9781137383655
5. Claessens, S., Coleman, N., & Donnelly, M. (2018). “Low-for-long” interest rates and bank risk-taking: Theory and evidence. Journal of Financial Intermediation, 35, 1–16. https://doi.org/10.1016/j.jfi.2017.05.004
6. Diamond, D. W., & Rajan, R. G. (2001). Liquidity risk, liquidity creation, and financial fragility: A theory of banking. Journal of Political Economy, 109(2), 287–327. https://doi.org/10.1086/319552
7. Gennaioli, N., Shleifer, A., & Vishny, R. (2015). Money Doctors. Journal of Finance, 70(1), 91–114. https://doi.org/10.1111/jofi.12188
8. IMF. (2021). How the Pandemic Affected Deposit Trends in Emerging Europe. Retrieved from https://www.imf.org
9. National Bank of Ukraine (NBU). (2023). Financial Stability Report. Retrieved from https://bank.gov.ua
10. Kovalenko, M. (2017). DEPOSIT POLICY BANKS IN UKRAINE AND ITS IMPACT ON THE EFFECTIVENESS OF DEPOSIT ATTRACTION OF RESOURCES. Investments: Practice and Experience, 2, 39–44. Retrieved from http://www.investplan.com.ua/pdf/2_2017/9.pdf
11. Kneysler, O., Spasiv, N., Marynchak, L., & Khomyn, I. (2019). Deposit policy of Ukrainian banks: current realities and prospects. Banks and Bank Systems, 14(2), 76–88. https://doi.org/10.21511/bbs.14(2).2019.07
World Bank. (2022). The World Bank Group in Ukraine, 2012–20: Country Program Evaluation. Washington, DC: The World Bank. Retrieved from https://ieg.worldbankgroup.org/sites/default/files/Data/Evaluation/files/Ukraine_CPE.pdf
© 2024 The Author(s)
This work is licensed under the Creative Commons Attribution 4.0 International (CC BY 4.0).
Polianychko, O., & Shchelkunov, M. (2024). FORMATION OF AN EFFECTIVE DEPOSIT MANAGEMENT STRATEGY IN THE BANKING SECTOR. International Interdisciplinary Scientific Journal "Expert", 1(4), 5–14. https://doi.org/10.62034/2815-5300/2024-v1-i6-001
Citation Format APA
Polianychko, O., & Shchelkunov, M. (2024). FORMATION OF AN EFFECTIVE DEPOSIT MANAGEMENT STRATEGY IN THE BANKING SECTOR. International Interdisciplinary Scientific Journal "Expert", 1(4), 5–14. https://doi.org/10.62034/2815-5300/2024-v1-i6-001.
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