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Changes in household deposits structure: Liquidity and stability of bank liabilities

https://doi.org/10.32609/0042-8736-2017-11-152-160

Abstract

This paper presents comparative analysis of the impact of changes in the economic and social situation in Europe on the volume and structure of bank liabilities generated by households. It also identifies downside risks to deposits volume and structure analyzing deposits dynamics in Russia. The approach to liquidity calculation indicators and stable part of banks’ liabilities definition based on the use of portfolio of homogeneous deposits of mass categories of households is also proposed.

About the Author

D. Trofimov
Financial University under the Government of RF
Russian Federation


References

1. Capgemini, BNP Paribas (2016). World payments report 2016.

2. Capgemini, BNP Paribas (2017). World payments report 2017: A preview into the global payments landscape.

3. G4S (2016). Cash report 2016: Europe. Hassel: SMG Groep.

4. Intrum Justitia (2016). European consumer payment report 2016. Stockholm, Sweden.

5. MasterCard Advisors (2014). Measuring progress toward a cashless society.

6. OECD (2016). Factbook 2015-2016. Paris.

7. UK Financial Conduct Authority (2015). Cash savings market study report. London.


Review

For citations:


Trofimov D. Changes in household deposits structure: Liquidity and stability of bank liabilities. Voprosy Ekonomiki. 2017;(11):152-160. (In Russ.) https://doi.org/10.32609/0042-8736-2017-11-152-160

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ISSN 0042-8736 (Print)