ФІНАНСОВА СТІЙКІСТЬ КОМЕРЦІЙНОГО БАНКУ ЯК НЕОБХІДНА УМОВА ЙОГО ЕФЕКТИВНОГО ФУНКЦІОНУВАННЯ

Abstract

Financial stability is one of the prerequisites for the effective functioning of the financial market and its participants in today's turbulent conditions. Within the framework of a commercial bank, financial stability means the bank's constant ability to meet its obligations and ensure profitability at a level sufficient for normal functioning in a competitive environment, as well as ensure purposeful development by transforming resources and minimizing risks, withstanding the influence of external and internal environmental factors. The work examines the content and components of financial stability on the example of a commercial bank, and evaluates the factors affecting it. In order to identify the means of its provision, an assessment of financial activity indicators of JSC "Credit Agricole Bank" was carried out. As a result of the analysis of financial reporting indicators, the satisfactory financial condition of JSC "Credit Agricole Bank" was determined, the basic indicators are within the normative values, but due to the high sensitivity to risks, they are unstable. It is noticeable that before the realization of the risk of a full-scale Russian invasion, all indicators of the bank show consistently high values. The assessment of financial stability through the application of a set of analytical techniques made it possible to identify and evaluate the influence of factors and justify management decisions based on the obtained data. Proposed measures to ensure financial stability in the current conditions, which include: maintaining the stability of the resource base of the banking institution, balanced asset management, timely recognition, proper risk management with the aim of eliminating or limiting them are necessary indicators of maintaining the stable activity of a commercial bank in the war period, taking into account the risk its duration and the post-war reconstruction of Ukraine's economy. Strengthening the financial stability of domestic commercial banks and the banking system in general is facilitated by regulatory measures: stress testing and a wide range of NBU macroprudential policy instruments.