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Introduction...................................................................................................................3

1 Theoretical basis of formation and management of second tier banks’ resources………………………………………………………………………….…...6

    1. The concept, structure and management of the bank’s own capital…...……....…..6

    2. Essence, classification and role of deposits……………………………….....…..14

    3. Bonds and syndicated loans as the main sources of non-deposit funds….......…..18

    4. Assets Liability Management………………………………………………....….27

2. Analysis of the current practice of formation and management of resources of JSC Kazkommertsbank……………………………………………………….…..…….33

    1. Analysis of the formation, management and evaluation of the capital adequacy of JSC Kazkommertsbank…………………………………………………..……33

    2. Analysis of activity of Kazkommertsbank in formation of deposit market and implementation of deposit policy………………………………………………...39

    3. Analysis of non-deposits sources of funding of JSC Kazkommertsbank…………………………………………………...........…....….48

    4. Analysis of assets and liabilities of JSC Kazkommertsbank…………….....….54

  1. The ways of improvement in funding of banking operations and asset management of the bank……………………………………………….…….…..62

3.1 The implementation of Basel III……………………………………….…...……62

3.2 The implementation of certificate of deposit………………………..………...…73

Conclusion……………………………………………………………….………..…79

List of used literature……………………………………………………………...…82

Appendixes………………………………………………………………………..…84

Appendix 1. Consolidated statements of financial position of KKB ……………….84

Appendix 2. Depository organizations deposits ……………………………….……85

Appendix 3. Deposits of individuals in the banks of Kazakhstan…………………...87

Appendix 4. Interest rates of banks on attracted deposits …………………………..88

Appendix 5. Instruments of JSC Kazkommertsbank ………………………………..89

Appendix 6. Loans and advances from banks and other financial institutions ……..91

Appendix 7. Basel III overview……………………………………………………..92

Introduction

The actuality of diploma work lies in the following:

-The banking sector of Kazakhstan is in a post-crisis state. Despite economic growth and favorable monetary policy, there is still concern about the cost of assets and quality of capital of most banks.

-Nowadays the most important source of funding for the commercial banks of Kazakhstan are the deposits of customers. The stability and growth of the deposit base is one of the main pledges of stability in the Kazakh banking system. However, according to conducted study by Ulagat Business Group, only 3% of deposits of commercial banks of Kazakhstan may not be withdrawn without loss of interest during the year. The experience of recent banking crises in developed countries (U.S., UK, etc.) showed that in the case of panic among depositors, the State has to send hundreds of billions of dollars to maintain the liquidity and stability of the banking system.

- On January 1, 2013 in Kazakhstan was planned to start a phased introduction of the new version of the document - Basel III - with the full transition to the new standards in 2015. However, it was postponed indefinitely. At the same time implementation of Basel III has strengths and weaknesses. Nobody knows what effect the implementation of Basel III will have on the economy of Kazakhstan.

To ensure its activities, commercial banks must have a certain amount of money, i.e. resources. The scope of their activities depends on the amount of the resources. With the building of two-tier banking system of the Republic of Kazakhstan and the change of ownership from the state to the Joint-commercial nature of banking resources has undergone significant changes and the concept of banking competition originated. It is explained by the following reasons:

Firstly, national fund of bank resources significantly narrowed. Secondly, creation of enterprises and organizations with different types of ownership means the emergence of the new owners of temporarily free funds, self -determining place and method of their storage that encourages creation of market of credit resources, organically included in the system of monetary relations. This situation exacerbates the competition between banks to attract resources. Thus, in the present conditions of economic development problem of the formation of resources has paramount importance.

Management of bank resources is a complex process of their formation and placement, which faces certain restrictions in the form of prudential standards developed by international and national supervisory authorities. The aim of these bodies is regulation of an activity of commercial banks provided by a certain level of equity.

Equity capital for a commercial bank, as for any other commercial structure is the core activity that defines its scope and volume of attraction of resources. In other words, the activity of commercial banks is largely determined by the size and structure of the equity.

In a market economy the resources of commercial banks have paramount importance. This is confirmed by the fact that they are an indispensable element of bank activity. Commercial bank, on the one hand, attracts free money resources of individuals and legal entities, thus forming its resource base, on the other hand, a bank places resource base on his behalf under the terms of return, maturity and payment. In this case, a commercial bank may conduct its operations only within the limits of available resources. The nature of these operations depends strongly on the quality resource base of the bank.

A commercial bank, whose resources have mainly short term nature, is unable to make long-term credit investments. Consequently, in the market conditions the amount and quality of resources that are owned by the commercial bank, determine the magnitude and direction of its activities. In connection with this question of the resource base, optimizing of its structure and stability become urgent in the work of a bank.

The aim of diploma work is to examine the state of the resource base of banks in the Republic of Kazakhstan, to reveal the main problems of funding of banking operations and asset management of the bank, barriers preventing the development of banks, what Government can make for supporting banks, find out solutions to existing problems.

Objectives of the study are:

To determine what are the resources of commercial banks, their essence and necessity;

To classify resources;

To consider the resources of commercial banks as a basis for their activities;

To consider the formation of resources of commercial banks;

To analyze the resource base of Kazkommertsbank;

To determine the ways of improvement in Kazkommertsbank’s conditions.

Object of the research is an activity of Kazkommertsbank in Kazakhstan.

The subject of the study is the problem of the formation of resource base of commercial banks.

In theoretical part such works were studied and used as: Larionova, Mishkin F.S., Beloglazova, Bertayev K.Zh.,Batrakova L.G., Maidyrova D.N.,Polfreman D., Ford R. and others.

In this project in practical part the statistics from official websites AFN, Kase, NationalBank, Centras Securities and the consolidated financial statements of Kazkommertsbank for the last 3 years were used and analyzed.

The scientific novelty of diploma work is presentation of solutions to the problems of banks. We’d like to underline that these solutions such as Basel III and certificate of deposit were not used before in Kazakhstan. We suppose that these ideas stimulate the development of banks as well as an economy of Kazakhstan.

Scientific and practical importance of the research is defined by the fact that formulated conclusions, suggestions can be applied in the banking system.

While working on diploma work the following research methods are used such as: logical, settlement and constructive methods of analysis and synthesis. The logic of the study and its content determined the structure of the final work, consisting of: introduction, three chapters, conclusion, list of used literature and appendixes. Diploma work consists of pages which include tables, figures.

In the first chapter theoretical issues of assignment, the structure and the formation of resource base of banks are considered. In this chapter the following questions are considered:

-The concept, structure and management of the bank’s own capital;

-Essence, classification and role of deposits;

-Bonds and syndicated loans as the main sources of non-deposit funds;

-Assets Liability Management;

This chapter is devoted to the analysis of the current practice of formation and management of resources of and asset liability management of Kazkommertsbank.

It includes:

-Analysis of the formation, management and evaluation of the capital adequacy of JSC Kazkommertsbank;

-Analysis of activity of Kazkommertsbank in formation of deposit market and implementation of deposit policy;

-Analysis of non-deposits sources of funding in Kazkommertsbank RK;

-Analysis of assets and liabilities of JSC Kazkommertsbank.

The third chapter contains description of existing problems in banks and ways of improvement. In this chapter Basel III and certificate of deposit are considered as ways of improvement in funding of banking operations.

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