ТЕНДЕНЦІЇ РОЗВИТКУ БАНКІВСЬКОЇ СИСТЕМИ УКРАЇНИ У 2023 РОЦІ

Abstract

In 2023, Ukraine continues the war with the aggressor that began in February 2022. In this context, it is important to understand the state of the banking system as one of the main guarantees of the country's financial stability during the war and to identify trends in its further development. In order to identify the main trends that are inherent in the further development of the banking system in these conditions, it is necessary to analyze its current state. To do this, it is quite effective to study current statistical data (analysis of the dynamics of changes in key indicators, identification of the causes of their fluctuations, etc.), which highlight the activities of domestic banks in its various aspects and affect the overall level of development of the banking system. Thus, today it is appropriate and expedient to analyze the current state of the banking system of Ukraine, its peculiarities of functioning in the conditions of the war waged in the country. Thus, the relevance of the study is beyond doubt, and the topic is extremely important today. The purpose of the study is to analyze the state of performance indicators of the banking system of Ukraine by groups of banks for 9 months of 2023 and to identify trends in its further development. To achieve this goal, the author studied the existing structure of the banking system of Ukraine for 9 months of 2023 and analyzed its state for the same period. The research was based on the use of various general and specific scientific methods, namely: analysis, synthesis, induction, deduction, abstraction, generalization, economic, mathematical and statistical methods, etc. The key financial indicators of the modern domestic banking system are analyzed. It is established that since 2017, the National Bank of Ukraine has been using the following groups to analyze the activities of the banking system of Ukraine: banks with a state share, banks of foreign banking groups, and banks with private capital. The study found that the banking system is generally profitable, with its performance indicators most influenced by the performance of two groups of banks: state-owned banks and banks of foreign banking groups. The analysis also shows a positive trend towards an increase in the level of solvency of the banking system in the face of the aggressor. The author concludes that the NBU's policy is balanced and that the management of banking institutions is effective in the context of war.