Abstract
The article examines the theoretical and practical aspects of bank rating assessment. An important indicator of the bank’s activity is its reliability and stability. It is justified that the assessment of the bank’s reliability is carried out on the basis of quantitative and qualitative indicators, which include: capital adequacy, liquidity, quality assets, quality management, profitability, business activity, image, and others. It has been proven that the rating assessment of a bank makes it possible to assign it to a certain group and draw conclusions about its financial situation, its competitive position in the market of banking services, the degree probability of non-fulfillment its obligations to clients. It was established that, depending on the technologies used to calculate the complex rating assessment, different methodological approaches and types of rating assessment are distinguished, in particular, ranking; remote (non-contact) rating; individual (contact) rating. A comparative assessment of reliability (stability) ratings of ten leading banks of Ukraine testified to the presence of different rating assessments depending on the type of indicator assessed by rating agencies. It was determined that the problems of methodical assessment of the compliance of the bank’s level of development with the strategy developed by it are the lack of indicators that allow more objectively assessing the financial condition and obtaining refined conclusions. Proposed prospects for the development of methods of rating evaluation of the bank’s activity, among which the main ones are: increasing the number of relevant indicators (quantitative, qualitative); analysis economic, tax, political factors and environmental conditions; the possibility obtaining external financial support in critical situations; increasing the reliability of reporting indicators; assessment of the impact of human capital and other characteristics related to the education and skills of management personnel and employees; development new parameters for modeling the financial condition banks and borrowers. It was found that the military actions in Ukraine did not significantly affect the banking activity, ratings are evaluated quarterly by national and international rating agencies. There is a steady trend toward a significant role credit ratings, deposit reliability ratings, and corporate governance ratings.
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