Abstract:

The aim of the publication is to specify the characteristics of bank deposits obtained from the non-financial sector, indicating their role in commercial banks’ functioning and presenting the most important aspect of the bank’s financial economy, that is, funding its activity. The discussion is based on the analysis of quantitative data concerning the activity of the banking sector in Poland in the scope of funding sources. The data covered by the object of the research has been obtained from financial reports of Narodowy Bank Polski (the National Bank of Poland) and the Polish Bank Association. The obtained research results underline the significance of bank deposits not only from the point of view of a commercial bank, but also the whole banking sector.