Resources of commercial banks are the basis of this kind of organizations. They are considered purely in terms of the functioning of the financial system, that is, in the form of ship capital (fund).The capital of the bank cannot be considered its own resources, it is rather temporarily free means of individuals and legal entities of the state. Thus, the value of resources goes beyond the scope of both a separate bank and the banking system as a whole. The formation and use of these funds is secretly controlled by society. The more resources at the disposal of the bank, the wider its capabilities. The volume of involved and own funds determines the profitable ability of the bank. The importance of the expediency and efficiency of using these resources is important for both the bank and the society as a whole. The main sources of banking resources are involved and borrowed funds, targeted revenues and own capital of the bank. Target revenues are the funds used by the bank by proxy. For example, for servicing credit lines of other banks, or on financing budget investments. The funds involved – current amounts in customer accounts, issued bonds and bills, deposit certificates and deposits, borrowed resources are those that are purchased in the interbank market and from the Central Bank. The bank’s own resources perform a stabilizing function, are the basis of its activities, and are created when taking into account the need to ensure their reliability. The placement of its resources by the commercial bank is characterized by the remaining, reserve and invested means. Reserve and remnants of funds serve to ensure the reliable functioning of the banking system. Invested resources are designed to conduct various operations in order to make profits. The position of the bank in the financial market depends on this point. The remnants of funds are placed in central and other commercial correspondent accounts, for the most part foreign, box office and banks. To carry out the calculations of bank customers, both local and international, the opening of correspondent accounts is a necessity. The limitation of the remains of such funds will ensure the reliable functioning of the payment system. Also, the remains of cash at the box office are necessary for the work of the banking service of the bank customers.
