ADAPTATION OF THE RESOURCE BASE TO KEY RATE CHANGES: FACTORS AND CONDITIONS OF EFFECTIVE MANAGEMENT

Abstract

The article examines the impact of changes in the key rate of the Bank of Russia on the formation and adaptation of the resource base of commercial banks. It reveals the features of capital, liquidity, and liability management in a highly competitive and unstable interest rate environment. The article analyzes the factors affecting the cost of borrowed resources and the stability of the banking sector. It establishes that effective management of the resource base requires a balanced structure of liabilities, maintaining liquidity, and developing long-term funding sources. Special attention is paid to the modern mechanisms of banks' adaptation to changes in monetary policy, including the regulation of interest rates, the use of refinancing instruments, and the maintenance of liquidity standards. Based on the analysis of statistical data and materials from the Bank of Russia, the main trends in the development of the banking sector in conditions of high interest rate volatility have been identified. It has been concluded that the stability of the banking system largely depends on the ability of credit institutions to timely adjust their resource structure, minimize risks, and ensure sufficient capitalization.