ОЦІНКА СТІЙКОСТІ УКРАЇНСЬКИХ БАНКІВ

Abstract

The article is devoted to topical issues of assessing the stability of Ukrainian banking institutions. The stability of the banking system of Ukraine directly depends on the stability of each individual banking institution and their ability to constantly develop dynamically, and this, in turn, is determined by the macroeconomic stability of the state and the development of the market infrastructure, which is ensured by the mandatory observance of the basic corporate principles of the organization and conduct of banking activities, which are formed in the banking system with the active participation of the National Bank of Ukraine and commercial banks. The military aggression of the russian federation in Ukraine, the instability of the international financial sector and the unfavorable development of global economic processes have a significant impact on the state and confidence of participants in the Ukrainian banking sector, and as a result, on the stability of Ukrainian banking institutions. The deterioration of the stability of Ukrainian banks is connected with a number of problematic issues, namely: distrust of banking institutions of their clients; rather high credit risks caused by the imperfect structure of the Ukrainian economy; a significant increase in factors that affect the profile of banking risks. In general, the changes that have been taking place in the economy of Ukraine recently have a rather drastic impact on the pace and directions of development of the Ukrainian banking system. It is quite clear that today the assessment of the stability of Ukrainian banks is one of the priority tasks for both banking institutions and state bodies. The approaches used today to assess the stability of banking institutions differ in the composition of factors that are taken into account, the indicators that characterize the components of stability, the permissible values of these indicators, etc. Foreign experience regarding the application of certain mechanisms and methods to assess the stability of banking institutions is not always acceptable in domestic conditions and needs some adjustment. In this regard, in modern conditions, the solution of problematic issues regarding the development and implementation of an effective system for assessing the stability of Ukrainian banks and the banking system as a whole in the context of the integration of the Ukrainian economy into the world economy is of particular relevance.