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| 1 | An important instrument of the increase of bank activity efficiency is its logistization. In the article we suggest the logistic model, where a bank is considered as a micro-logistic system and bank activity is considered as a set of different flows of useful resources (a material flow (vec_M); a financial flow (vec_F); an informational flow (vec_I); an energetic flow (vec_E); a flow of transport vehicles (vec_T); a manpower flow (vec_W); a service flow (vec_U); a flow of innovations (vec_N)), which interact, influence each other, depend upon the present market conditions and evolve, corresponding to the changes of inner and outer conditions. In the article, we do the research of these flows’ structure, using the logistical approach. In the research we represent a flow as a certain function, having two components: the scalar one (P0 – a concrete kind of useful resources) and the vector one (vec_P0 (t, z) – the orientation of the flow in space and time). Thus, a flow is: vec_P = P0*vec_P0 (t, z) v r . A special attention is paid to the financial flow, its structure and process of forming. We represent, that the necessary condition of forming any kind of a flow is presence of other flows. Then, in order to provide a normal functioning of the cash flow in a bank we need the following vector components, which could assure its forming and circulation: financial, informational, energetic, manpower (personnel), innovational and service components. The mathematical expressions are worked out to describe this process and to give us the opportunity to define the source of costs and to optimize the cumulative expenses in order to minimize them. Keywords: commercial bank, logistic analysis, financial flow, bank logistic system, cumulative expenses | 1126 | ||||