OREANDA-NEWS. November 30, 2012. In his report at the international scientific and practical conference "Bank 2013. Recipe for success", organized by the company SAS Institute Ukraine jointly with the Academy of Financial Management to the Ministry of Finance of Ukraine, Director of the Department on Financial Risk Management of Kreditprombank Igor Voloshyn proposed the innovative approach to the improvement of the financial stability of the banks at the expense of the active deposit management, reported the press-centre of Kreditprombank. 

It is commonly known that the financial stability of each bank depends on the level of net interest income. Usually the task of its improvement and consequently - enhancement of their stability – the financial institutions solve at the expense of pricing of assets. However, in opinion of Igor Voloshyn, large and unused potential of enlargement of the net interest income of the banks lays in management of their interest expenses, which may be considerably reduced by the way of reasonable and fair pricing of deposits.   

In opinion of the representative of Kreditprombank, the intelligent approach to pricing, taking into account the risks, will allow each bank to determine clearly the customer cost of deposit products, to form correctly its product line, segmentise the customers by their preferences. All these factors promote for the improvement of the financial stability of the banks, and correspondingly, the level of confidence in them from the part of customers.

In addition, the important consequence of use of the system of active deposit management in the bank, noted the reporter, will become the opportunity for cheapening of loans that will promote the increase of volumes of lending to economy.

The report of Igor Voloshyn was met with great interest by the audience.