Bitkina I.K.Volgograd Institute of Management, Branch of Russian Presidential Academy of National Economy and Public Administration, Volgograd, Russian Federation bitkinai@rambler.ru
Skorodumova N.S.Volgograd Institute of Management, Branch of Russian Presidential Academy of National Economy and Public Administration, Volgograd, Russian Federation hooope81@gmail.com
Subject The article addresses the specifics of resource base formation of systemically important credit institutions of the Russian Federation. Objectives The purpose of the study is to identify areas for improving the resource base structure of too-big-to-fail credit institutions and develop relevant recommendations. Methods The study employs methods of economic analysis. Results We provide recommendations aimed at improving the sustainability of resource base of systemically important credit institutions in Russia, reducing the weighted average cost of funding, and increasing the value of the group of credit institutions under analysis. Conclusions We offer introducing a countercyclical capital buffer as an area of resource base development of systemically important commercial banks. This will enhance the stability of the banking sector and improve the effect of financial leverage. The paper underpins the need for changing the structure of resources, which implies offering new deposit products. The measure will decrease the weighted average cost of capital and enable additional long-term resources.
Keywords: systemically important bank, resource base, countercyclical capital buffer, raised funds
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