Modeling the development of the economic systems

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https://elar.khmnu.edu.ua/handle/123456789/10689

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Перегляд Modeling the development of the economic systems за Автор "Gordeeva, Tetyana"

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  • Ескіз
    Документ
    Analytical and practical aspects of banks expenses' forming
    (Хмельницький національний університет, 2025) Khrushch, Nila; Gordeeva, Tetyana
    The article substantiates theoretical and methodological approaches and applied aspects of forming bank expenses in martial law conditions and banking system transformation. It has been proven that bank expenses cannot be considered an isolated financial indicator but a complex and strategically important element of banking institution management. It is emphasised that the structure and efficiency of cost formation determine the stability of the banking system, its level of financial stability and its ability to adapt. Based on an analysis of the macroeconomic indicators of the banking system of Ukraine and the activities of PJSC AB “Pivdenny”, trends in the volume and structure of costs are outlined, and reserves for their optimisation are identified. Directions for improving cost formation processes are proposed, particularly the introduction of adaptive budgeting, digitisation of operations, differentiation of costs according to their strategic value, and centralisation of non-core functions. It is argued that cost optimisation should be viewed not only as a cost-saving tool, but also as a strategic factor in improving the competitiveness and sustainability of banks in the current environment.
  • Ескіз
    Документ
    Deposit operations as the basis of successful banking: theoretical aspect, realities and prospects of development in Ukraine
    (Хмельницький національний університет, 2023) Larionova, Katerina; Gordeeva, Tetyana
    The paper considers the peculiarities of Ukraine’s deposit market functioning in 2020–2023 under the influence of force majeure factors. The current state of the respective market was analysed in terms of types of deposits by duration, namely fixed and demand, by types of currencies in which funds are placed on deposits, by ranges of the size of the deposits themselves, etc. Approaches to the interpretation of the “deposit operation” concept were systematized. Having analysed the definitions it is possible to define a “deposit operation” as an operation involving the deposit institution’s attraction of funds (in national or foreign currency, in cash or non-cash form) or bank metals of depositors to deposit bank accounts under the terms of the concluded agreement and following the current legislation of Ukraine. A comprehensive analysis of the dynamics of the deposit portfolio of the banking system was carried out. The dynamics of deposits of individuals in the banking system of Ukraine were analysed. The dynamics of interest rates on deposit deposits in terms of subjects, currencies and duration are highlighted. The increase in deposit rates contributed to the recovery of the growth of fixed deposits of individuals which volume increased for the first time since the beginning of the war. The permission of the National Bank to buy foreign currency to open fixed currency deposits contributed to their growth in dollar equivalent. The peculiarities of the activity of the Deposit Guarantee Fund in Ukraine during the period of martial law were identified, and the impact on the level of public trust in banks was investigated. The obtained results of the conducted research made it possible to determine the main trends in the development of the deposit market of Ukraine and to outline proposals for improving the deposit policy of Ukrainian banks.
  • Ескіз
    Документ
    Features of the functioning of state banks in the ukrainian banking services market
    (Хмельницький національний університет, 2025) Larionova, Katerina; Gordeeva, Tetyana
    The article examines the peculiarities of the functioning of Ukrainian state-owned banks in martial law conditions and global financial instability. Attention is focused on the strategic role of state-owned banks in ensuring financial security and supporting the country’s economy in crisis conditions. It highlights the transformation of their role from traditional intermediaries to instruments of crisis management and stabilisation of the national economy. It analyses structural changes in the banking sector of Ukraine, particularly the nationalisation of leading financial institutions, and identifies the consequences of asset concentration in the public sector. The ability of state-owned banks to perform a countercyclical function in times of economic turmoil by supporting lending to businesses and the population, even at increased risks, is emphasised. It is stressed that, at the same time, the high share of state participation in the banking sector creates several challenges: the threat of monopolisation, restrictions on competition and the risk of political influence on credit policy. Particular attention is paid to the problem of non-performing loans (NPLs), the trend towards their reduction and the impact on the loan portfolio’s quality. The article substantiates the need to reform and optimise the activities of state-owned banks, considering international experience and current challenges, and proposes ways to improve the activities of state-owned banks in Ukraine during the war. It concludes that these institutions can become drivers of Ukraine’s post-war economic recovery, provided their work is effectively coordinated with the government and regulators, modern management approaches are implemented, and international banking regulation standards are gradually adopted.
  • Ескіз
    Документ
    Management of problem debt in lending in the banking system of Ukraine
    (Хмельницький національний університет, 2026) Khrushch, Nila; Gordeeva, Tetyana; Zherlitsyn, Dmytro
    The article substantiates theoretical and methodological approaches and applied aspects of managing problem debt in bank lending under martial law and the transformation of the banking system of Ukraine. The concept of 'problem debt in bank lending' is examined, along with its interpretation in the legislative framework and by domestic and foreign scholars. A set of reasons that cause a borrower to default on their obligations is structured. It has been proven that considering the strengths and weaknesses of problem debt management methods is a key factor in selecting the best approach for a specific loan agreement under which problem debt arises. Based on the analysis of indicators of the state and quality of lending processes in the banking system, trends in the volume, structure, and coverage of NPLs by reserves have been identified, as have the most problematic banking institutions. A sequence of stages for managing problem debt on loans has been proposed, with the implementation of a monitoring and early response system for the emergence of problem credit debt already in the first two stages. This will allow for a timely response to deteriorating performance, determine the direction of work on the problem credit debt of each borrower-debtor, and promptly identify negative trends arising in the banking institution's operations in the credit market.