ANALYSIS OF CONTEMPORARY TRENDS IN BANKING CREDIT IN UKRAINE DURING 2018-2023
Abstract
This article delves into the analysis of current trends in banking credit in Ukraine spanning the period from 2018 to 2023. Banking credit has always played a pivotal role in the economic development of any country, and Ukraine is no exception. Over recent years, the country's banking system has undergone significant transformations, impacting the terms and accessibility of credit for both citizens and businesses. This article explores the noteworthy changes in Ukraine's banking sector over the past five years and their influence on clients and the economy at large. Against the backdrop of rapid changes, this research aims to identify opportunities to enhance the attractiveness of Ukraine's financial sector, making it appealing to those interested in the country's economic development. The article scrutinizes the evolving landscape of banking and credit, addressing the shifts in lending policies, interest rates, and the overall dynamics of financial institutions. Special attention is given to the adaptability of the banking system to external economic challenges and the measures taken to ensure stability. The study unfolds the intricacies of the regulatory environment and its impact on the banking sector, shedding light on how legislative changes have shaped the credit landscape in Ukraine. Additionally, it assesses the role of technology in modern banking practices, examining the rise of digital banking and its implications for credit accessibility. In times of dynamic change, this research serves as a compass for stakeholders, providing insights into the future trajectory of banking credit in Ukraine. By identifying areas for improvement, it aims to contribute to the ongoing discourse on bolstering the financial sector's role in fostering the country's economic growth. As Ukraine navigates through these transformative years, understanding and adapting to the evolving trends in banking credit will be crucial for sustaining a resilient and responsive financial landscape.By presenting a comprehensive analysis of both historical shifts and prospective developments, this article aims to equip policymakers, investors, and financial professionals with valuable information for strategic decision-making in the dynamic landscape of Ukrainian banking.
References
Показники банківської системи. Офіційний веб-сайт Національного банку України. URL: https://bank.gov.ua/control/uk/publish/article?art_id=34661442 (дата звернення: 14.11.2023)
Основні показники діяльності банків. Офіційний веб-сайт Міністерства фінансів України. URL: https://index.minfin.com.ua/ua/banks/stat/ (дата звернення: 14.11.2023)
Кулиняк І.Я. Банки з іноземним капіталом: рейтингування та роль у забезпеченні сталого розвитку фінансового сектору України. Вісник Академії праці, соціальних відносин і туризму. 2018. № 3. С. 36-50.
Амбросій О.І. Банківське кредитування в Україні / О.І. Амбросій // Економічні науки. Сер. : Економіка та менеджмент. 2012. Вип. 9(2). С. 10–17
Лаврик О.Л. Аналіз банківського кредитування в сучасних умовах розвитку економіки України / О.Л. Лаврик // Економіка. Фінанси. Менеджмент: актуальні питання науки і практики. 2016. № 2. С. 69–80
Рогожнікова Н.В. Основні тенденції банківського кредитування в сучасних умовах фінансово-економічної кризи. Фінансовий простір. 2015. № 3. С. 72–80.
Показники діяльності банків // Банківська статистика. URL: http://bankografo.com/ analiz-bankiv/bankivska-statystyka (дата звернення: 14.11.2023)
Pokaznyky bankivskoi systemy. Ofitsiinyi veb-sait Natsionalnoho banku Ukrainy [Indicators of the Banking System. Official website of the National Bank of Ukraine]. Available at: https://bank.gov.ua/control/uk/publish/article?art_id=34661442 (accessed November 14, 2023)
Osnovni pokaznyky diialnosti bankiv. Ofitsiinyi veb-sait Ministerstva finansiv Ukrainy [ Key Performance Indicators of Banks. Official website of the Ministry of Finance of Ukraine]. Available at: https://index.minfin.com.ua/ua/banks/stat/ (accessed November 14, 2023)
Kulinyak, I.Y. (2018). Banky z inozemnym kapitalom: reitynhuvannia ta rol u zabezpechenni staloho rozvytku finansovoho sektoru Ukrainy [Foreign Capital Banks: Rating and Role in Ensuring the Sustainable Development of Ukraine's Financial Sector] Visnyk Akademii pratsi, sotsialnykh vidnosyn i turyzmu, vol. 3, pp.36-50.
. Ambrosiy O.I. (2012). Bankivsʹke kredytuvannya v Ukrayini [Bank lending in Ukraine]. Ekonomichni nauky. Ser. : Ekonomika ta menedzhment, № 9(2), p. 10–17.
Lavryk O.L. (2016). Analiz bankivsʹkoho kredytuvannya v suchasnykh umovakh rozvytku ekonomiky Ukrayiny [Analysis of bank lending in the current conditions of the Ukrainian economy]. Ekonomika. Finansy. Menedzhment: aktualʹni pytannya nauky i praktyky, № 2, pp. 69-80 (in Ukr.).
Rohozhnikova N.V. (2015). Osnovni tendentsiyi bankivsʹkoho kredytuvannya v suchasnykh umovakh finansovo-ekonomichnoyi kryzy [Main tendencies of bank lending in the current conditions of the financial and economic crisis]. Finansovyy prostir, № 3, pp. 72-80 .
Pokaznyky diialnosti bankiv // Bankivska statystyka [Indicators of Bank Activity // Banking Statistics] Available at: http://bankografo.com/ analiz-bankiv/bankivska-statystyka (accessed November 14, 2023)
![Creative Commons License](http://i.creativecommons.org/l/by/4.0/88x31.png)
This work is licensed under a Creative Commons Attribution 4.0 International License.