Table of contents (expand)
- The credit system of the Russian Federation: essence, structure, meaning
- Legal basis for the activities of banks in the Russian Federation (Laws "On banks and banking activities", "On the Central Bank of the Russian Federation (Bank of Russia)")
- Central banks, their functions (western model)
- Functions of the Central Bank of Russia
- Passive and active operations of the Central Bank of the Russian Federation
- Monetary regulation of the economy by the Central Bank (Western and Russian models)
- Regulation and control by the Central Bank of the activities of commercial banks of the Russian Federation
- Organization by the Central Bank of cash circulation in the Russian Federation
- Refinancing of commercial banks by the Central Bank of the Russian Federation
- Operations of the Central Bank of the Russian Federation on the open market
- The essence and purpose of the fund of required reserves of commercial banks in the Central Bank of the Russian Federation
- Banks of individual elite service - Private banking ("Private banking")
- Credit auctions: essence, order of organization, meaning
- Operations of the Central Bank of the Russian Federation on servicing the public debt of Russia
- Modern inflation: essence, causes, forms of manifestation and their types in the Russian Federation
- Money circulation and its structure
- Indicators of the volume and structure of the money supply in circulation in the Russian Federation
- Monetary systems, their main elements (Western model)
- Features of the monetary system of the Russian Federation
- Interbank loans in commercial banks of the Russian Federation
- Interest rate policy of Russian banks
- Stocks: types and characteristics
- Securities in the Russian Federation. Types and characteristics
- Loan capital market: structure and functions
- Securities market: structure and functions
- Primary securities market. Methods of issue of securities
- Stock exchange: organizational and functional mechanism in the Russian Federation
- Characteristics of the secondary securities market
- Features of retail banking services - Retail banking ("Retail banking")
- The essence of money, their functions
- Theories of money and inflation
- Credit money, their types
- Bill, its essence, types
- Government securities (western model)
- Commercial banks: essence, types and role in the economy (Western model)
- Commercial banks: essence, types and role in the Russian economy
- Passive operations of commercial banks of the Russian Federation
- Formation of own resources of Russian banks
- Attracted resources of commercial banks in the Russian Federation
- Liability management in commercial banks of the Russian Federation
- Active operations of commercial banks of the Russian Federation
- Loan operations of commercial banks in the Russian Federation: essence, types, characteristics
- Documents submitted by the borrower for obtaining a loan from a commercial bank of the Russian Federation
- Forms of loan security
- Operations of commercial banks of the Russian Federation with securities
- Investment activity of Russian banks
- Asset management of commercial banks
- Liquidity of credit institutions of the Russian Federation. Liquidity indicators
- Financial risks
- Characteristics of the bank's assets in terms of providing liquidity, profitability
- Forms of credit: commercial, banking, consumer, state, international
- Financial services of commercial banks (leasing, factoring, trust transactions)
- Settlement operations of commercial banks
- The main forms of cashless payments in the Russian Federation
- Formation of check circulation in the Russian Federation (checks of commercial banks)
- Main forms of international payments
- Foreign exchange operations of Russian banks
- Foreign exchange market in the Russian Federation: participants, structure
- Mortgage banks and their operations (western model, experience in the Russian Federation)
- Investment banks and their operations (western model, experience in the Russian Federation)
- Savings banks and their operations (Western model)
- Savings banks of the Russian Federation
- Insurance companies and their operations
- Pension funds and their operations
- Investment companies and investment funds (western model, experience in the Russian Federation)
- Theories of credit
- The essence, functions and role of credit in the market economy of the Russian Federation
- International financial institutions
- Essence and functions of banking marketing
- Essence and functions of banking management
- Credit, investment and financial consulting
Asset management of commercial banks
Income from accounting and loan operations, interest and dividends from investments in securities are the main source of bank profits. However, when forming banking assets (asset management), no bank can proceed only from their profitability. The main task of managing bank assets is to ensure sufficient profitability and at the same time reliability of the bank for its customers. In world practice, there are several approaches to the management of banking assets. With one or another approach to management, the bank's management allocates resources differently between different groups of assets.
The "general fund of funds" is based on the idea of distributing the total amount of bank resources (general fund of funds) between different types of assets, regardless of the source of resources. For the implementation of a specific active operation in accordance with this model, it does not matter from which source the funds came: from demand deposits or term deposits. This approach does not take into account the different liquidity requirements for different deposits.
With another method of asset management - "banks within banks" - the formation of assets is carried out depending not only on the total amount, but also on the structure of the attracted resources. Thus, a large share of funds mobilized with the help of demand deposits should be placed in primary and secondary reserves, and the share of term deposits - in loans and securities. In accordance with this method, several "liquidity-profitability centers" are determined, which are used to place funds raised from various sources. Such centers are called "banks within a bank". In a bank, as it were, there is a "bank of demand deposits", "bank of time deposits", "bank of fixed capital".
Having established the belonging of funds to different "banks" in terms of their liquidity and profitability, the bank's management determines the order of their placement from each "bank". Placement of funds from each "bank" is carried out independently of other "banks".
Since demand deposits require the highest coverage of liquid assets, a significant part of the funds from the "demand deposit bank" will be directed to primary reserves. The rest will go mainly to secondary reserves and only a small part to short-term loans.
Otherwise, the funds of the "term deposit bank" will be distributed. A larger part will go to the formation of a secondary reserve, the provision of medium-long-term loans, and long-term securities. Regulation of bank investments is an independent area of asset management.
Author: Shevchuk D.A.
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