Modeling of deposit operations as an element of managing resource potential in a banking institution

Abstract

The article examines the issues of modeling of deposit operations of commercial banks as the main source of resources on the materials of one of the systemically important banks of the Republic of Halyk Bank of Kazakhstan JSC. The population becomes the dominant source of funding for Kazakhstani banks. There is a mutually beneficial tandem in the sector: consumers do not yet have an alternative to deposits for storing money, and banks have limited sources of funding. As a result, a steady growth of the market. Increasing the efficiency of the banking institution and strengthening its resource potential is possible due to the improvement of the process of formation of the deposit portfolio. Primarily by ensuring the inflow of more stable resources to the bank and targeting the reduction of their weighted average cost, ensuring the profitability of each operation to attract new or service the old customer. Relatively new, but until the end has not yet been studied and not approved by the method of modeling the bank's deposit operations is the technology of fuzzy modeling. Fuzzy modeling most corresponds to the requirements of universality, the inclusion of multi-criteria choice in conditions of uncertainty from a discrete or continuous set of alternatives, the simplicity of preparation and processing of expert information.