MANAGEMENT OF THE BANK'S CREDIT ACTIVITY AS A FACTOR ENSURING ITS STABILITY

Abstract

Now we see that the financial stability of banks is an essential condition for the effective functioning of Ukraine's economy as a whole. Strengthening the stability of banks, their dynamic development, increasing confidence, as well as increasing the positive impact of the country's banking system on various economic development processes, show the following that it is necessary to improve banking to ensure maximum profitability of banking and anticipate all possible risks. Today, it is the supply of credit resources that is significantly hampering the overcoming of the crisis and the improvement of economic development indicators, as well as the lack of stability in ensuring the fulfillment of obligations to their depositors by banks. Based on this, we see that monitoring the functioning of banks in relation to sustainable development is one of the most important tasks. The concepts of "credit", "credit activity" and "financial stability", methods of credit management to achieve financial stability and conditions for improving the efficiency of credit management were studied. Based on the data of JSC CB "PrivatBank", the article analyzes the level of financial stability and features of the bank's lending activities from 2018 to the present. In order to support any economic system, including the bank, or to achieve more significant results, or in a certain state, a necessary condition is coordinated action. The financial stability of a bank is a multifaceted and complex process that is carried out through the interaction of various levers, tools, forms, methods and ways of influencing the subject of management on its object, based on a well-developed concept. The conclusions provide recommendations for managing the bank's lending activities to ensure its stability.