An analysis of the sources of funds of the commercial banks in euro area

Bakalaura darba tēma ir “Komercbanku resursu avotu analīze eirozonā”. Darba mērķis ir balstoties uz teorētiskām nostādnēm par komercbanku resursu avotu nozīmi banku stabilitātē, veikt eirozonas komercbanku resursu avotu un procenta likmju analīzi, izdarīt secinājumus un sniegt priekšlikumus resursu avotu struktūras sabalansēšanai bankas darbības stabilitātes uzlabošanas mērķiem. Darbs sastāv no 3 nodaļām un 6 apakšnodaļām. Pirmajā nodaļā apskatīti, banku resursu avoti un to saistība ar finanšu riskiem. Otrajā nodaļā analizēts, eirozonas komercbanku resursu avotu īpatsvars un procentu likmju izmaiņas. Trešajā nodaļā analizētas Latvijas komercbanku resursu avotu īpatsvara izmaiņas. Darba apjoms ir 70 lpp un 33 attēli. Pamatojoties uz bakalaura darbā veikto analīzi, autore secina, un izsaka priekšlikumus resursu avotu struktūras sabalansēšanai bankas darbības stabilitātes uzlabošanas mērķiem. Atslēgvārdi: resursi, eirozonas komercbanku resursu avoti, Latvijas komercbanku resursu avoti, finanšu riski, Eirosistēma, Latvijas banku sistēma.The theme of the Bachelor thesis is “An analysis of the sources of funds of the commercial banks in euro area”. The aim of the work is to make analysis based on theoretical framework of main sources of funds and interest rates in euro area commercial banks, to draw conclusions and make proposals to balance the source of the funds for improving bank's operational stability goals. The Bachelor consists of the three chapters and six subchapters. The first chapter describes theoretical aspects of the sources of funds and its connection with financial risks. In the second chapter is made analysis of the sources of funds proportion in bank liabilities and changes in interest rates of commercial banks in euro area. In the third chapter is made analysis of sources of funds proportion in bank liabilities of commercial banks in Latvia. The amount of the thesis is 70 pages including 33 pictures. On the basis of analysis author concludes with conclusions and give proposals for balance the source of the funds for improving bank's operational stability goals. Key words: resources, the sources of funds of commercial banks in euro area, the sources of funds of commercial banks in Latvia, financial risks, the Eurosystem, banking system in Latvia