Analysis of the Impact of the Structural Formation of Long-Term Assets and Liabilities on the Efficiency of Credit Services in Commercial Banks

This study analyzes the impact of the structural composition of long-term assets and liabilities on the development and efficiency of banking services, with particular emphasis on credit services in commercial banks. The research explores how the stability, maturity structure, and diversification of long-term funding sources-such as time deposits, funds of institutional investors, long-term borrowings, and subordinated debt-affect banks’ capacity to expand and improve the quality of their credit services, especially in financing long-term and capital-intensive projects.
By examining balance sheet structures, maturity mismatches, and liquidity profiles, the study identifies key factors that enhance the sustainability and effectiveness of banking services. The findings demonstrate that increasing the share and quality of long-term liabilities not only strengthens credit service provision but also reduces refinancing risks and improves the overall stability of financial intermediation in commercial banks.