STRENGTHENING THE FINANCIAL RESOURCE BASE OF PRIVATE COMMERCIAL BANKS: CONCEPTUAL FOUNDATIONS, ASSESSMENT CRITERIA AND INTERNATIONAL EXPERIENCE

Abstract

The article develops the theoretical and methodological foundations for strengthening the financial resource base of private commercial banks. Unlike state-owned banks, private banks form their liabilities almost exclusively through market mechanisms — shareholder capital, retail and corporate deposits, borrowed resources and capital-market instruments — which makes the volume, structure, maturity, cost and stability of these resources the decisive determinant of their competitiveness. Drawing on a content analysis of thirteen scholarly interpretations of the category “bank financial resources”, the study proposes an author’s definition in which the resource base is treated not as an accounting aggregate of liabilities but as a continuous management process aimed at qualitative and quantitative development of own and attracted funds