Directions and Implementation of a Commercial Bank’s Deposit Policy (the Case of B.C. “Victoriabank” S.A.)

Abstract

This article examines the directions and implementation of deposit policy in a commercial bank, using B.C. “Victoriabank” S.A. as a case study. The research highlights the role of deposit policy as a key element of bank financial management, ensuring the formation of a stable resource base for lending and investment activities. The study analyzes the theoretical foundations of deposits, their economic, financial, and legal nature, as well as the main principles and models of deposit policy. Special attention is given to the analysis of the dynamics and structure of the bank’s deposit portfolio for the period 2023–2025, identifying key trends such as the growth of term deposits, the dominance of individual deposits, and the increasing role of corporate clients. The impact of external factors, including monetary policy changes and market competition, is also considered. Based on the findings, the article proposes practical recommendations for improving deposit policy, including the development of targeted savings products, strengthening the corporate segment, implementing predictive analytics, and introducing ESG-oriented deposits. The results demonstrate that an effective deposit policy contributes to strengthening financial stability and enhancing the competitiveness of commercial banks in a modern financial environment. CZU: 336.717.3; JEL: G21, G28, E51