Marynchak L. Depoіsit Activities of the banks in Ukraine: current condition, problems and prospects of development

Object – Depoіsit Activities of the banks in Ukraine. Purpose – deeping the theoretical foundations of deposit activities of the banks, development of scientific-methodological and practical recommendations for improvements to domestic banks in modern conditions. Methods: structural and logical induction and deduction, analysis and synthesis, factor and coefficient analysis, sampling, comparison, grouping, tabular and graphic presentation of research results.Results: justification of theoretical and scientific-methodical bases of deposit policy of domestic banking institutions and scientific argumentation of effective ways for its improving in modern terms. Novelty: the term "deposit program" is treated as a collection of various types of deposits offered by a particular bank for different categories of depositors at appropriate conditions, fixed deposit agreements and approved strategic plans; expanded the term of "banking resources" that are considered not only as financial resources, but also as the presence of a bank organizational capacity, equipment, qualified personnel, balanced information banking system; the classification of bank deposits on the basis of specific criteria such as priority grouping for the bank and the customer, which makes it possible to determine the main directions of the strategy deposit banking institution and form a deposit program for specific bank in accordance with the basic elements of its overall banking strategy; improved process of forming a bank deposit policy by taking into account factors of uncertainty that nowadays the functioning of banking institutions creates opportunities for the use of preventive measures and enhances the effectiveness of deposit accumulation of resources; were further developed approaches to research and analyze the impact of macroeconomic processes on the development of the deposit activities of domestic banks, in particular of factors influencing the propensity of economic agents to deposit activity in a crisis by restoring confidence in the banking system; proposed the formation of a three-level system restore confidence, which difference is the use of an adapted system of relationships; produced directions of improvement of deposit activities of the banks providing active use of information policy and extended introduction of marketing innovations that are fundamental elements of the financial and credit system of Ukraine. They are implemented in the activities of the branch of PJSC "The State Export-Import Bank of Ukraine" in Ivano-Frankivsk, Ivano-Frankivsk central department of PJSC "Bank "Kievska Rus", department "Ivano-Frankivsk" of PJSC "Alfa-Bank".Scope – activity of the National Bank of Ukraine, the Association of Ukrainian Banks, the Committee on Financial Policy and Banking of the parliament of Ukraine.