Shareholders
If external borrowing prevail over internal, it is necessary to pay attention to their origins. Source of funding the bank may be the issue of securities or resources to foreign shareholders. In the second case, the bank is considered more reliable. Thus, starting from the above listed, preference should give the bank that has: public deposits and companies are roughly equal; Bank's credit policy is aimed at private customers; source of external borrowing are tools of foreign shareholders. 2. Owners of the bank to a certain extent the reliability Bank depends on who owns it.
The main owners can be individuals, large domestic financial-industrial groups (FIG), the foreign investors. Site NBU can find information about Shareholders who own a substantial stake of a bank (). In unstable conditions the most difficult to have the banks, for which there is no major foreign or large domestic capital. Respect resistant to changes in the financial market are banks, which belong to FIGs. In the assets of such groups including objects of metallurgy and energy, processing plants, fabricating plants telecommunications companies. In case of problems at the bank's owners FIG redirect cash flow and support the solvency of the bank.
However, if the instability will affect all areas of business, sustainability Bank of the group may falter. Therefore, traditionally considered more reliable banks with foreign capital. 3. When interest rates are placing a deposit in the bank to depositors is a goal not only to preserve earnings, but profit from it.