Authors : T.V. Goncharenko, T.N. Fliginskih, G.S. Feraru, A.N. Muravetskiy and A.A. Gulko
Abstract: Formation and development of the banking sector in Russia with adaptation of new and emerging financial technologies and solutions, largely based on the accounting a number of factors, affecting the results of banking business. Therefore, in the process of considering the prospects and dynamics of banking operations, reflecting the objective tendencies of the domestic banking sector transformation, it is necessary to take into account the seasonality factor. In modern practice, commercial banks faced with fluctuations in the demand for mortgage loans when over the period from February to April, its level reaches the minimum; similar fluctuations are also observed for bank deposits. This article contains an initial stage of a study, dedicated to the rationale of seasonality factor consideration, uniting both credit and deposit operations of commercial banks.
T.V. Goncharenko, T.N. Fliginskih, G.S. Feraru, A.N. Muravetskiy and A.A. Gulko, 2016. The Consideration of Seasonality Factor in Practice of Commercial Banks. International Business Management, 10: 6009-6012.