On the contrary, the banks

This approach, however, a significant disadvantage, which does not take into account the specifics of banking. Sources of investment banking operations or do not have, or are in limited quantities, insufficient for attachment to the same period. A feature of bank liabilities is that all depositors' funds are not claimed at the same time, and therefore at the disposal of the bank is always a constant balance of customers. Through the provision of services for cash management services client banks have a certain amount in the accounts, which in practice are the long term. The size of the conditionally constant amount may vary under the influence of several factors, among which are distinguished as external, relating to the economic situation in the region and country (market conditions, fluctuations in business activity, development of the credit system) and internal, belonging to the level of the bank, the quality and number of services, the effectiveness of the organization of resource mobilization. Given these factors, we can fairly accurately determine the amount of customer funds, which will be permanent and which can be used for investments in medium-and long-term operation. Like some passive long-term assets are relative terms. For example, investments in corporate shares are perpetual, but due to stock market development in this type of investment can be easily implemented, and in fact turn out to be short-lived. Thus, the liquidity of assets does not depend on their time, since the term of implementation in many cases due to the development and market conditions and monetary and capital markets, as well as the level of risky investments. Category: Management Operations Commercial Bank