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Methods Of Analysis Of Commercial Banks’ Deposit Portfolio

Table 2:

Indicator Method of calculation Economic substance
The coefficient of variation of resources balance on the segments of depositors The ratio of the minimum amount of deposit resources remaining to its average value for the period on each depositor segment The closer the indicator under consideration is to one, the more stable the balance is
The coefficient of deposit ruble subsidence Ratio of changes in deposit balances for each segment of depositors to the amount of attracted deposits for this segment for the period The higher the deposit settlement level is, the better it is for the bank
The average storage data of the deposit on depositors segments The reverse indicator is the number of deposit turnover for the period for each segment of depositors. The ratio of the average deposit balance for the period to the amount of deposit repayment for the period for each segment of depositors It characterizes the average duration (in days) of one turnover of funds in deposits. Its decrease indicates an increase in the speed of circulation of funds in deposits
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