ТЕНДЕНЦІЇ РОЗВИТКУ БАНКІВСЬКОГО СЕКТОРУ УКРАЇНИ

Abstract

The article considers the general trends of development of the banking sector of Ukraine during 2020–2021. In the course of research of scientific works on the analysis of the banking sector, it was found that there is a question of updating trends in the banking sector and resuming the search for competitive advantages for Ukrainian banks in accordance with modern market conditions. The modern structure of the banking system of Ukraine is considered. The ways of increasing the competitiveness of banking institutions in the conditions of European integration are outlined on the basis of the analysis of the state of the banking system of Ukraine. It was found that the recovery of the banking system through the elimination of unreliable banking institutions during 2014–2018 led to an increase in the overall stability of the banking sector, which in turn increased public confidence and allowed commercial institutions to increase the amount of deposits. The capitalization indicators, structure of assets and liabilities and efficiency of formation of resource base of top-10 most stable commercial banks of Ukraine according to the rating of the Ministry of Finance of Ukraine are analyzed. It is determined that the activity of the top-10 most stable commercial banks of Ukraine remains profitable, but there are some problems related to attracting resources. It is proved that in order to solve these problems, banks should pay more attention to improving the quality of the structure of retail deposits, which in turn will help maintain long-term liquidity. As a result of a study of the banking sector of Ukraine during 2020–2021, it was found that the previous recovery of the banking system by liquidating insolvent banks had a positive impact on the resilience of commercial banks, despite the crisis caused by the COVID-19 pandemic. It is determined that in 2020–2021 the credit policy of the vast majority of banks made it possible to increase the total number of assets through loans and stabilize the banking sector of Ukraine as a whole. It is established that in two quarters of 2021, banking institutions managed to increase the resource base by attracting deposits of individuals, but some banks to strengthen financial stability need to pay attention to increasing long-term liquidity by attracting term funds.