Забезпечення ефективності пасивних операцій в банківських установах України

Abstract

Abstract. Introduction. The goal of any Bank is making a profit, but to increase their own income, credit institutions not only provide all kinds of services to citizens and businesses, but also constantly conducting operations to raise funds, which otherwise is called passive. The accumulation of funds in Bank accounts is carried out by carrying out passive operations. They are designed to provide credit organizations of the resources necessary to Finance its activities and to be active on the market of banking services. Therefore, at the present time, banks still not enough to properly and efficiently manage their resources. Purpose. The purpose of the article is to study the theoretical aspects and the current state of passive operations of JSC CB "PrivatBank", their dynamics and structure, as well as to suggest promising areas of their management. Results. This article derived its own definition of "banking resources" on the basis of the analyzed opinions of domestic scientists on this complex issue. Also analyze the composition, dynamics and structure of liabilities and equity on the example of JSC CB "PrivatBank". In the structure of liabilities the largest share belongs to customer deposits which occupy the main role in the formation of resources of JSC CB "PrivatBank" for carrying out of active operations. The equity capital for 2018-2019 is made possible thanks to the profitable operations of the Bank. The value of own resources of JSC CB "PrivatBank", first of all, is to maintain its sustainability. At the initial stage of establishment of the Bank has own funds that cover the main costs (land, buildings, equipment, salary), without which the Bank cannot start their activities. Thanks to its own resources, banks create the necessary reserves, and they are the main source of investment in long-term assets. Based on the coefficient of the analysis most of the parameters did not meet regulatory value, therefore, it is necessary to improve the management of passive operations of the Bank. Due to the raised from the public deposits and obtaining loans from other entities loan funds increase. They are used for active operations, and, primarily, of the credit. Therefore, the main goal of passive operations is to achieve optimal ratio between own and borrowed resources and borrowings at the lowest possible price, and eliminate the deficit of money in the banking institution. Conclusions. Due to the analysis ratio, the weaknesses and strengths of JSC CB "PrivatBank" are studied, which need constant review and help the management decisions in order to support the status, which is extremely important for our country.