FEATURES OF THE FORMATION OF THE RESOURCE BASE OF BANKS: ESSENCE AND SIGNIFICANCE
Abstract
The article carries out a thorough study and analyzes the main theoretical approaches to determining the essence of the resource base of banks, examines in more detail such concepts as "bank resources", "bank financial resources", "bank resources" and summarizes the peculiarities of the studied definitions. It was concluded that the structure of the resource base of individual banks is individual and mainly depends on the degree of specialization of the bank, the state of its credit resources and other factors. The formation of the resource base according to the form of resources was studied and significant advantages regarding its formation with the help of the bank's participation in the financial and industrial group were determined. It was concluded that the resource base of the bank can be considered not only from the traditional point of view of the bank's capital concentration, but also from the general economic point of view, as the basis of all banking activity, because the amount of profit of the banking institution directly depends on the formation of the resource base.
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