Gender as a parameter reflecting the non-savings deposits situation of individual customers

Purpose: The purpose of the research was to attempt a cross-sectional analysis indicating the distribution of customer deposits stored on the non-savings accounts, taking into account the main division of an account holder into gender and detailed distribution by age, balance amount and territorial location. Design/methodology/approach: As part of this study, an analysis of data presenting the structure of individual customers with non-savings deposits, whose average monthly balance value exceeded PLN 6,000, have been presented. The main axis of the study is the categorisation and comparison of data based on gender. The study covers age and territorial sections as well as gradation of the amount of balances of stored deposits. The quantitative approach and the amount of balances of the accounts analysed are presented. Findings: From a practical point of view, the potential investors or bonds issuers (treasury bonds, municipal bonds, etc.) looking for a capital, can do it among natural persons and address to them their offer and issue for them the prospectuses. When looking for free funds available on the market, they should also pay attention to the specificity resulting from the gender of an account holder. From the research point, distributions and differences in population behavior resulting from the account holder's gender are interesting. Originality/value: The basic content of the article is a new and original approach to the analysis of data on non-savings accounts which includes gender as the basic parameter of division into groups.