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The Priorities of the Ukrainian Banking System Capitalization
Sova O. Y., Yakimova I. L.

Sova, Olena Yu., and Yakimova, Iryna L. (2020) “The Priorities of the Ukrainian Banking System Capitalization.” Business Inform 2:343–350.
https://doi.org/10.32983/2222-4459-2020-2-343-350

Section: Finance, Money Circulation and Credit

UDC 336.71

Abstract:
The article is aimed at researching the theoretical and practical provisions of the formation of capital of commercial banks in Ukraine to provide recommendations to solve the problem of insufficient capitalization of the State-owned banking system. The main factors influencing the size of the bank’s capital are considered and characterized. Attention is paid to the dynamics of the number of commercial banks in Ukraine for 2016-2019 and the reasons for the decline in the number of banking institutions. The list of regulations of banks as requirements of the supervisory body in the regulation of the banking sector is provided. A comprehensive analysis of the capital size dynamics of Ukraine’s banks for 2016-2019, as well as the status of compliance with economic regulations, is carried out. Changes in the prudential liquidity regulations are described. A list of Ukrainian banks has been formed by the size of their capital. The problem of finding sources of attracting resources in the formation of the bank’s capital is indicated. It is emphasized that the use of the latest technologies by banks will allow to better meet the needs of customers in various banking products. The relevance of the increase in the size of bank capital as a guarantee of increasing the stability of the banking market in general is substantiated. Proposed solutions to the problem of capitalization of the banking system in Ukraine are the activation of regulatory policy of the National Bank of Ukraine in the application of stress-diagnosis of the economic indicators of banks; usage of efficient risk management systems in banking institutions; optimization of the structure of banks’ deposit and loan portfolio; transparency in the operations for refinancing of the NBU, etc.

Keywords: banking system, bank capital, capital adequacy, capitalization, economic regulations, financial stability.

Fig.: 1. Tabl.: 3. Bibl.: 12.

Sova Olena Yu. – Candidate of Sciences (Economics), Associate Professor, Associate Professor, Department of Production and Investment Management, National University of Life and Environmental Sciences of Ukraine (15 Heroiv Oborony Str., Kyiv, 03041, Ukraine)
Email: [email protected]
Yakimova Iryna L. – Student, National Aviation University (1 Lubomyra Husara Ave., Kyiv, 03680, Ukraine)
Email: [email protected]

List of references in article

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Larionova, K. L., and Bezvukh, S. V. “Dostatnist vlasnoho kapitalu bankiv Ukrainy v 2015-2017 rokakh: stan, problemy ta shliakhy vyrishennia“ [Accessibility of Own Capital of Banks of Ukraine in 2015-2017: State, Problems and Ways of Decision]. Hlobalni ta natsionalni problemy ekonomiky. 2018. http://global-national.in.ua/archive/22-2018/153.pdf
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Osadchyi, Ye. S. “Napriamy kapitalizatsii bankivskykh ustanov za uchasti derzhavy“ [Capitalization of Bank Institution with the Participation of the State]. Naukovyi visnyk Uzhhorodskoho natsionalnoho universytetu. Seriia «Mizhnarodni ekonomichni vidnosyny ta svitove hospodarstvo», vol. 2, no. 16 (2017): 41-45.
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Pavlenko, L. D., and Semenets, V. P. “Systema derzhavnoho antykryzovoho upravlinnia bankivskoiu systemoiu yak osnova stabilnoho funktsionuvannia vitchyznianoi ekonomiky“ [The System of State Crisis Management of the Banking System as the Basis of a Stable Functioning of the Domestic Economy]. Investytsii: praktyka ta dosvid. 2019. http://www.investplan.com.ua/pdf/2_2019/10.pdf
Perevozova, I. V. et al. “Normatyvno-pravovi aspekty bankivskoho rehuliuvannia ta zabezpechennia nadiinosti bankivskoi systemy Ukrainy“ [Normative and Legal Aspects of Banking Regulation and Ensuring the Reliability of Banking System of Ukraine]. Finansovo-kredytna diialnist: problemy teorii ta praktyky. 2019. http://fkd.org.ua/article/view/162989/162736
Sova, O. Yu. “Spetsyfika depozytnykh posluh u suchasnykh umovakh bankivskoho rynku Ukrainy“ [Features of Deposit Products in Modern Conditions of the Banking Market of Ukraine]. Finansovo-kredytna diialnist: problemy teorii ta praktyky, vol. 3, no. 26 (2018): 72-80.
Sova, O. Yu. “Shliakhy pidvyshchennia efektyvnosti depozytnoi polityky komertsiinykh bankiv“ [Ways to Improve the Effectiveness of Commercial Banks' Deposit Policies]. Stratehichni perspektyvy rozvytku ekonomichnykh subiektiv v nestabilnomu ekonomichnomu seredovyshchi. Kremenchuk: KrNU, 2017. 170-173.
Siankova, V. R., and Avramchuk, L. A. “Problemy kapitalizatsii bankivskykh ustanov u suchasnykh umovakh“ [The Problem of Capitalization of Banking Institutions in Modern Conditions]. Hlobalni ta natsionalni problemy ekonomiky. 2017. http://global-national.in.ua/archive/16-2017/160.pdf

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