Формування ресурсів банківської установи в умовах воєнного стану

Abstract

Метою написання статті є проведення аналізу змін ресурсного забезпечення банківських установ України в умовах воєнного стану. За результатами дослідження визначено важливість формування ресурсів банківськими установами. Досліджено структурні зміни у ресурсному забезпеченні комерційних банків протягом дії воєнного стану на основі статистичних даних динаміки складових капіталу та зобов’язань банківських установ. Виявлено зростання зобов’язань банківських установ з одночасним скороченням їх капіталу. Зосереджено увагу на аналізі причин відповідних змін. Визначено за рахунок яких джерел переважно було сформовано ресурси банків з державною часткою власності, приватним капіталом та банків іноземних банківських груп. Визначено, що в умовах воєнного стану підвищення ефективності формування ресурсів банківськими установами є важливим завданням фінансового менеджментуBanking institutions are the central element of the domestic economy. They are one of the key drivers of the country’s well-being and economic growth. The introduction of martial law on the territory of Ukraine from February 24, 2022 has a negative impact on the domestic economy. The main purpose of writing the article is to analyze changes in the resource provision of banking institutions of Ukraine with the introduction of martial law. Based on the results of the study, the following conclusions can be drawn. The article defined the importance of the formation of resources by banking institutions as they are one of the key elements of the effective functioning and development of banking institutions. Studied the structural changes in the resource provision of commercial banks during the martial law on the basis of statistical data on the dynamics of components of capital and liabilities of banking institutions. Determined that there was an increase in the amount of liabilities of banking institutions against the background of reduction in the amount of their equity during the analyzed period. Attention was focused on the analysis of the reasons for the relevant changes, namely in terms of customer funds, mainly of banking institutions with a state share of ownership, subordinated debt and authorized capital of other banking institutions. Determined the main sources of the formation of resources of banking institutions with a state share of ownership, with a private capital and banks of foreign banking groups, which included customer funds, authorized capital, funds received from the National Bank of Ukraine, other borrowed funds. After conducting an analysis of structural changes in the main components of the resources of banking institutions over the course of eight months, it was established that customer funds occupied the largest share of the resources of banking institutions during the analyzed period. They were mostly represented by funds on current accounts, demand deposits and time deposits, including the deposit income. Defined the importance of the increase the efficiency of the formation of resources by banking institutions in the conditions of martial law for financial managers of banking institutions. Further development of this process is promising research