FA C TO R S A N D

P R O B LEM S O F
FIN A N C IA L
S TA B ILITY O F
BAN KS O F
U K R A IN E

Financialstability ofthe banking

institution includes an assessm ent of
these characteristics ofthe bank:
Absolute
indicator
s

Gains
(losses)

ROA

Relative
indicator
s
ROE

Assets
Cash

Liquidity

Loans

Adequacy of
capital
Loans /
Deposits

Liabilities

Deposi
ts

Reserves /
Loans

The
interest

Problem s and decisions of

fi
nancialstability ofbanks
Problem

Decision

The territorial unevenness of the

banking system

Develop and maintain a regime

of fair competition in the
banking sector
Expand the network of
commercial banks in other
regions

Low volume of lending to the

real economy

Create a favorable investment

climate

The problem of reliability and

availability of loans

Enter a single national register of

movable and immovable
property
To form a new, market
psychology of people and trust
them to the banking system.

High concentration of capital in

the largest banks

The problem of guaranteeing

deposits

Carry out the reorganization, merger or

liquidation of troubled banks

Organize the work of the Deposit

Guarantee Fund of the population
Increase and improve the quality
of bank
Develop a long-term strategy
Develop Internet - banking
Develop and further improve legislation
and regulatory framework

Actions

Indicators ofbanking sector

Years
Index

Net assets, mln

hrn.

2008

2009

2010

2011

599369

926086

880302

942088

69578

119263

115175

137725

Liabilities of
banks, mln hrn.

529818

806823

765127

804363

Loan portfolio,
mln hrn.

485368

792244

747348

755030

Equity capital,
mln hrn.

Factors that reduce the fi

nancial
stability
Reduction
savings from
private sector

Loss of
confidence by
depositors

The high dependence of

the financial condition
of firms that borrow

The increase in
loans to nonfinancial sector

The significant
depreciation of
the currency

Conclusions
Therefore, to increase
competitiveness of Ukrainian banks
should either learn from foreign
countries or develop its own
banking system.

Thank you for your

attention