Contents

Introduction…………………………………………………………………………………………………………………………………………4

Chapter 1. THEORETICAL BASIS OF FORMATION OF THE MARKET OF BANKING PRODUCTS AND

SERVICES………………………………………………………………………………………………………………………………………………6
1.1. Classification of banking products and services …………………………………………………………………………….6
1.2. Modern approaches to the formation of the banking services market ………………………………………..11
1.3. Analysis and problems of development of the services market …………………………………………………..17
Chapter 2. ANALYSIS AND EVALUATION OF THE MARKET OF BANKING PRODUCTS AND SERVICES ON THE
EXAMPLE OF BANK OJSC SODRUZHESTVO………………………………………………………………………………………….24
2.1. Organizational and economic characteristics of the bank…………………………………………………………….24
2.2. Analysis and assessment of the structure of banking products and service………………………………….30
2.3. Analysis and assessment of profitability of banking products and services…………………………………..38
Chapter 3. PROSPECTS FOR DEVELOPMENT OF THE MARKET OF BANKING SERVICES ON THE EXAMPLE OF
BANK OJSC SODRUZHESTVO……………………………………………………………………………………………………………….45
3.1. Improving the efficiency of banking products in the retail market……………………………………………….45
3.2. Introduction of new banking products on the market………………………………………………………………….53
3.3. Risk Hedging in the Service Market………………………………………………………………………………………………62

Conclusion………………………………………………………………………………………………………………………………………….70

List of References……………………………………………………………………………………………………………………………….73
Appendix…………………………………………………………………………………………………………………………………………….74