: ..,
..
:
: 109
: -
: 2024
: .., .. // . 109. .: , 2024. .122-135. DOI: https://doi.org/10.25728/ubs.2024.109.6
: , ,
(.): percent rates, deposits, current accounts
: , . . : , . . , , ~ . . ~ , 1015 \% .
(.): Retail bank clients behavior investigation allows us to obtain some necessary patterns for the balanced interest rates distribution model development. In order to study the behavior of retail bank clients and for the balanced interest rates distribution model developing, two types of financial instruments were studied: current accounts, deposits. The main result of this paper is the optimal ratio of current account interest rates establishing at given interest rates on deposits (in conditions of exact future market interest rates expectations). The approach outlined in the article offers banks a convenient, versatile, and easily understandable method for elaborating an optimal strategy to manage financial instruments. Key input parameters for decision-making in interest rate setting encompass the behavioral attributes of clients and the anticipations of bank management concerning future interest rate trends. In practical application, this approach leads to substantial cost reductions for banks, potentially yielding savings of up to 10--15 \% of their current funding expenses.
PDF
: 362, : 112, : 9.