БАНКІВСЬКА СИСТЕМА НА ЗАХИСТІ ФІНАНСОВОЇ БЕЗПЕКИ УКРАЇНИ

Abstract

The article examines changes in the structure of banking system assets during 2022 under the influence of significant stress factors. After the reduction of the amount of resources in the first months of the war, there was an active restoration of them and certain changes in the structure of assets and liabilities of banks. During the year, various aggregates of assets and liabilities of the banking system grew unevenly. In the structure of assets, the share of the investment portfolio is growing rapidly. In liabilities, the specific weight of resources to the question increases. The share of state-owned banks grew faster than that of banks with foreign capital. Banks of Ukrainian shareholders are smaller in size and have slower growth dynamics. The article examines the development trends of the largest banks of Ukraine. Examining the business model of the leaders is very important because the concentration in the banking system has been increasing for many years in a row. The risks of the largest banks determine the financial condition of the system. The strengthening of the influence of external factors is reflected in the quality and structure of assets and liabilities of banks, as well as in the general condition of the banking system. The most important tasks of Ukrainian banks in the modern realities of instability are the identification, assessment, monitoring, control and management of risks. In the conditions of major disruptive factors in 2022, the banking system ensured the performance of its main functions. Banks support the economy with cash and non-cash funds. Financial institutions successfully carry out calculations, service customer accounts, provide various services, despite increased operational risks. Among the problematic issues of the banking system at the beginning of 2023 is the reduction of credit operations of banks and the deterioration of the quality of the loan portfolio. The quality of the loan portfolio was analyzed in different groups of banks and in the largest banks of the system.