The relevance of the research topic is due to the importance of the formation of banking resources for the expansion of active operations of credit institutions. The attracted funds of individuals and legal entities play a key role in forming the resource base of banks. The article analyzes the dynamics and structure of deposit operations of commercial banks in terms of subjects, terms and currency of attraction. The conclusion is made about the continuing trend of formation of attracted resources of banks at the expense of short-term sources caused by macroeconomic instability. The active introduction of a fast payment system in retail circulation has increased the flow of citizens' funds to current accounts in banks. In modern conditions of the growth of short-term savings of citizens, the problem of providing stable and long-term sources of funding for credit institutions is becoming urgent. Thus, the analysis of the dynamics and structure of the deposit portfolio of the banking sector of the Russian Federation allowed us to draw the following conclusions