FINANCIAL STABILITY AND RESISTANCE OF BANK IN  THE CURRENT CONDITIONS OF MARTIAL LAW

doi:10.26565/2786-4995-2022-3-01

Anna Chkheailo V. N. Karazin Kharkiv National University https://orcid.org/0000-0002-4806-3065
Diana Kukhar V. N. Karazin Kharkiv National University

DOI: https://doi.org/10.26565/2786-4995-2022-3-01

Keywords: bank, financial stability, integral indicator, Kromonov's method, financial condition

Abstract

The article examines the theoretical foundations of financial stability and stability of a banking institution, examines the main interpretations of approaches to defining the concept of "financial stability". The relationship between the concepts of "financial stability" and "financial stability" was studied, and as a result, it was determined that ensuring the financial stability of banks is the basis of a stable banking system, a key to the success of economic transformations and macroeconomic development.

Indicators of financial stability and financial stability of the bank, using JSC CB "Privatbank" were studied as the main object of the study. In order to analyze the financial stability of JSC CB "Privatbank", its financial statements were examined and the reliability coefficient was calculated; financial leverage ratio; the coefficient of participation of equity capital in the formation of assets; capital multiplier factor.

The paper calculates the stability and stability indicators of the bank. For a generalized comprehensive assessment of the bank's activity, an integral indicator of the bank's financial stability was calculated using data from the financial statements for 2020-2022. As a result of the study, a methodology for assessing the financial stability and stability of the bank was determined, which takes into account the versatile aspects of the bank's activity by selecting parametric coefficients

The article examines the stability of JSC KB "Privatbank" in modern conditions of risks and losses during the martial law in Ukraine. In order to study the influence of the current conditions of martial law on the stability of the bank, the calculation of the coefficients of financial stability was carried out for the period of January-September 2022. The calculation of financial stability was carried out based on the analysis of the general coefficient of stability, the coefficient of instant liquidity, the cross coefficient, the general coefficient of liquidity, the coefficient of capital protection, the coefficient of capitalization of profit.

The study analyzed the stability of the bank based on the results of the calculations. In general, the indicator of the financial stability of the bank is not sufficient for stable functioning, the bank is recommended to pay attention to indicators that have an impact on the financial stability of the bank to increase stability, such as: equity, working and liquid assets, liabilities, both short-term and long-term , authorized and protected capital.

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Author Biographies

Anna Chkheailo, V. N. Karazin Kharkiv National University

Associate Professor of the Department of Management, Business and Professional Communications, Candidate of Philosophical Sciences, Associate Professor

Diana Kukhar, V. N. Karazin Kharkiv National University

Student of another (master's) degree of higher education

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