Analysis of resource capacity of the banking system in times of crisis
Journal Title: Visnyk Ternopilskoho natsionalnoho ekonomichnoho universytetu - Year 2017, Vol 1, Issue
Abstract
In any state banking system always acts as a catalyst of economic growth. At the current stage, in times of crisis over 2014-2016, effective functioning of the banking system and the system of guaranteeing deposits has become an important concept. The research objectives include analyzing resource capacity of the banking system and considering a range of problems related to guaranteeing deposits during the period of 2014-2016. The authors analyze the data on the amount of individuals’ deposits in the banks participating in the Deposit Guarantee Fund. The impact of reducing banks’ deposit base on Ukraine’s economy and a negative trend in savings is determined. The ratio of savings to GDP in a number of countries, including Ukraine, is analyzed. Particular attention is paid to the importance of money transfer from abroad. An emphasis is placed on the correlation between fluctuations of foreign currencies and deposits. The dynamics and structure of liabilities of the banks participating the Deposit Guarantee Fund are scrutinized. It is concluded that the share of retail deposits has been reduced. The dynamics of lending and the share of loan arrears are provided. Furthermore, the dynamics of loans issued by the National Bank of Ukraine to Ukrainian banks is described. Based on the research findings, a set of recommendation related to the formation and use of funds is developed. It is stressed that the further improvement of the banking system and the system of guaranteeing deposits is among priorities in times of crisis.
Authors and Affiliations
Bohdan Adamyk, Andrii Skirka
Keywords
Related Articles
- EP ID EP305220
- DOI -
- Views 92
- Downloads 0
Methodological aspects of evaluating the efficiency of innovation projects
The study argues that since the growth of an enterprise is driven by innovation and investment, investment and innovation projects should be evaluated with the same criteria of efficiency as an enterprise itself. For own...
Endowment as a new source of sustainable funding for research studies in Ukraine
The article states that funding science and technology is an essential strategic task for countries wishing to join the European Community. The paper considers possible ways to achieve the sustainability of funding resea...
The competitiveness of Ukraine’s banks in the world banking market
The article examines the market of banking services in Ukraine through comparing indicators of competitiveness of Ukrainian banks and banks with foreign capital in the domestic market and global market. Taking into accou...
Conceptual framework for the budgeting mechanism of the state’s social and economic development
The article considers some approaches of domestic and foreign scholars to the interpretation of the concept of state’s budgeting mechanism. It involves the following: a set of types, forms, methods and means through whic...
Analysis’ methodological support of regulatory impact of draft legal acts: advantages and disadvantages
This article is devoted to current issues of assessing the quality of analysis of draft legal acts’ regulatory impact. The methodical approach to assessing the quality of implementation by state agencies analysis of draf...