Theme4. THE COMPONENCE AND FUNCTIONALITY OF ATTRACTED RESOURCES OF A BANK

1. The structure of attracted resources, and their importance for the conducting banking activities; 2. The characteristics and typology of a bank deposit; 3. Non-deposit bank resources: types and means of attracting; 4. Banking resources acquired through the issuance of securities: bank certificates, bills (drafts), long-term bonds; 5. Banking resources acquired on the interbank market;

-1- The structure of attracted resources, and their importance for the conducting banking activities;
In the world of banking practice, the attracted resources of a bank can be:
1) Deposit - are formed on the initiative of clients who come to deposit money in the banks,
2) Non-deposit:
- Resources arising from the issue of equity (bank certificates, bills of exchange, and bond);
- Resources purchased from other banks (centralized bank credit (from National Bank) and decentralized (from other commercial banks));
In the total amount of banking resources attracted resources occupy the dominant position. Their share of different banks varies between 85 - 90%.

-2- The characteristics and typology of a bank deposit;
Deposit – the amount of money placed into a banking institution for safekeeping, through depositing money in a bank account.
Deposits are classified according to: * Depositor’s category: 1. Individuals; 2. Legal entities; * The terms of the contract, which stipulates how and when is deposit’s maturity: 1. Demand deposit; 2. Term deposit; 3. Savings deposit;

* Demand deposits have the following characteristics: * Bank’s means may be deposited in the account and withdrawn without a notice; * based on these accounts can be issued checks; * means can be withdrawn as both cash and non-cash; * account holder will pay a