УПРАВЛІННЯ БАНКІВСЬКИМИ РИЗИКАМИ ТА ЗАХОДИ ВІДНОВЛЕННЯ ДІЯЛЬНОСТІ В УМОВАХ ПОТУЖНИХ ЗОВНІШНІХ ВИКЛИКІВ

Abstract

The article considers the current trends in the country's banking system, which take place in difficult conditions of external shocks associated with the military aggression of the Russian Federation in Ukraine, and as a consequence of falling GDP, outflow of labor and capital abroad, and the rupture of economic relations. Currently, the country's banking system withstands the impact, ensures payments, provides customers with a sufficient amount of cash hryvnia, performs all its functions. In extremely harsh conditions, banks maintain their financial stability and maintain solvency. In such circumstances, the NBU's procedures for improving risk management systems, developing crisis response measures and restoring banks play an important role. In particular, the Resolution “On Approval of the Regulations on Resumption Plans of Banks of Ukraine and Banking Groups” adopted by the NBU in 2019 deserves considerable attention. The Regulations is designed to ensure the financial stability of banks and their groups, to minimize the main risks of their activities and possible losses that may arise due to the implementation of negative factors in the banking system of Ukraine. The main purpose of this normative document is to introduce in banks and banking groups such a planning process that would allow to effectively restore activities to restore financial stability, in case of implementation of negative scenarios or deterioration of financial condition. Banks take into account their own size, complexity, volume and types of operations and services, organizational structure, risk profile, features of activities when developing a resumption plan. In addition, such a plan should be consistent and integrated with the bank's strategy, business plan, corporate governance system, risk management, capital and liquidity planning measures, business and financing continuity plan in crisis conditions. Each bank has developed an effective system of indicators in order to identify the impact of negative factors in a timely manner. Such a system should take into account all the individual characteristics of the bank, including the business model. Due to the regulatory requirements of the NBU, banks had the opportunity to test measures to resume operations long before the implementation of real external shocks.