Організаційно-економічне забезпечення депозитної політики банків в Україні
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Дата
2022
Автори
Приступа, Л.
Стахурська, А.
Prystupa, L.
Stahurska, A.
Назва журналу
Номер ISSN
Назва тому
Видавець
Хмельницький національний університет
Анотація
У статті проведено аналітичне оцінювання сучасного стану, визначено тенденції та напрями удосконалення організаційноекономічного забезпечення депозитної політики банківських установ на рівні вітчизняного банківського сектору й провідної державної
банківської установи (АБ «УКРГАЗБАНК») в умовах військового конфлікту та нестабільного конкурентного середовища. Акцентована
увага на важливості адаптивності управлінської діяльності при формуванні депозитної політики банківської установи із
застосуванням real-time моніторингу та визначено ключові фактори формування меж депозитної політики банку, що при
активному застосуванні у короткостроковій перспективі забезпечить досягнення цілей депозитної діяльності, а в довгостроковій
– ефективний ризик-менеджмент та покращення показників ліквідності та фінансової стійкості.
The article provides an analytical assessment of the current situation, identifies trends and directions for improving the organizational and economic support of the deposit policy of banking institutions at the level of the domestic banking sector. In particular, it was determined that the domestic banking system is successfully resisting the challenges of the war: banks continue to operate smoothly, maintaining liquidity and carrying out lending operations. During 2019-2021, the banking sector saw an increase in total liabilities in general and deposit resources in particular, which confirms the stability of the functioning of the banking sector and the trust of clients in the pre-war period. With the beginning of the war, a gradual outflow of hryvnia deposits from banking institutions was observed, while the unprecedented actions and decisions of the National Bank of Ukraine in the field of deposit activities ensured not only maintenance, but also an increase in bank funding. One of the trends that emerged as a result of military threats was the flow of clients' funds to banking institutions that are considered more reliable, mainly to state banks and banks of international financial groups. At the same time, in the existing conditions, banks use various organizational and economic mechanisms, models and technologies for the formation and maintenance of the deposit portfolio. The conducted evaluation of the effectiveness of the formation and implementation of the deposit policy of the leading state banking institution (JSC "UKRGAZBANK") based on absolute and relative indicators, rating data made it possible to identify weak points and potential opportunities for managerial work in the segment of deposit operations in the conditions of a military conflict and an unstable competitive environment. Emphasis is placed on the importance of the adaptability of managerial activity in the formation of the bank's deposit policy with the use of real-time monitoring, and key factors in the formation of the bank's deposit policy boundaries are identified, which, if actively applied in the short term, will ensure the achievement of the goals of deposit activity, and in the long term - effective risk management and improving liquidity and financial stability indicators
The article provides an analytical assessment of the current situation, identifies trends and directions for improving the organizational and economic support of the deposit policy of banking institutions at the level of the domestic banking sector. In particular, it was determined that the domestic banking system is successfully resisting the challenges of the war: banks continue to operate smoothly, maintaining liquidity and carrying out lending operations. During 2019-2021, the banking sector saw an increase in total liabilities in general and deposit resources in particular, which confirms the stability of the functioning of the banking sector and the trust of clients in the pre-war period. With the beginning of the war, a gradual outflow of hryvnia deposits from banking institutions was observed, while the unprecedented actions and decisions of the National Bank of Ukraine in the field of deposit activities ensured not only maintenance, but also an increase in bank funding. One of the trends that emerged as a result of military threats was the flow of clients' funds to banking institutions that are considered more reliable, mainly to state banks and banks of international financial groups. At the same time, in the existing conditions, banks use various organizational and economic mechanisms, models and technologies for the formation and maintenance of the deposit portfolio. The conducted evaluation of the effectiveness of the formation and implementation of the deposit policy of the leading state banking institution (JSC "UKRGAZBANK") based on absolute and relative indicators, rating data made it possible to identify weak points and potential opportunities for managerial work in the segment of deposit operations in the conditions of a military conflict and an unstable competitive environment. Emphasis is placed on the importance of the adaptability of managerial activity in the formation of the bank's deposit policy with the use of real-time monitoring, and key factors in the formation of the bank's deposit policy boundaries are identified, which, if actively applied in the short term, will ensure the achievement of the goals of deposit activity, and in the long term - effective risk management and improving liquidity and financial stability indicators
Опис
Ключові слова
банк, депозит, депозитна політика, депозитний портфель, bank, deposit, deposit policy, deposit portfolio
Бібліографічний опис
Приступа Л. Організаційно-економічне забезпечення депозитної політики банків в Україні / Л. Приступа, А. Стахурська // Modeling the development of the economic systems. – 2022. – № 4. – P. 88-99.