TRENDS OF THE BANKING SECTOR OF UKRAINE

Keywords: bank, banking sector, regulator, credit, profitability

Abstract

The security threat is the main systemic risk for the banking sector of Ukraine. The country's economy is highly dependent on international financial aid. This aid is gradually decreasing in volume and comes in unpredictably, creating threats to macroeconomic stability. The banking sector functions harmoniously, receiving significant profits, and its role in the economy of Ukraine is growing. Banks approached the crisis with a large supply of capital and liquidity. Banks are resistant to operational risks and effectively implement developed action plans in case of negative events. The article analyzes the dynamics of bank assets, capital, customer funds, lending volume and profitability. The quality of loans by types of lending was studied. The banking sector is characterized by a decrease in lending volumes, primarily to corporate clients. Increasing lending for Ukrainian banks can be achieved through a comprehensive approach based on cooperation between banks, regulatory authorities and other stakeholders. It is important to take into account economic and financial aspects, as well as the specifics of market conditions. It is possible to attract new customers through the introduction of special programs or promotional offers, development of new and adaptation of existing credit products to the needs of various market segments. The National Bank of Ukraine conducted an assessment of the stability of banks, which confirms the availability of sufficient capital and a significant safety margin of the banking system. This creates the basis for further strengthening of capital requirements. Banks will update operational risk calculations based on the latest financial data and comply with updated capital structure requirements. After conducting test calculations, banks will take market risk into account when assessing capital adequacy. The National Bank of Ukraine plans to establish a schedule for the introduction of buffers of systemic importance and capital conservation this year.

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Published
2024-04-29
How to Cite
Moroz, N., Chervinska, O., & Nakvatsky , M. (2024). TRENDS OF THE BANKING SECTOR OF UKRAINE. Economy and Society, (62). https://doi.org/10.32782/2524-0072/2024-62-41
Section
ECONOMICS

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