The Banking System of Ukraine: Status, Problems of Development

Анотація

The article is aimed at researching the current status of the banking system of Ukraine and identifying obstacles to its successful development. The current status of the banking system of Ukraine is analyzed and peculiarities of its development are determined. Both the positive and the negative consequences of the presence of foreign banks for the status of the banking system of Ukraine are substantiated. The status of bank liabilities, volume of general assets of banks, including credit portfolio, as well as dynamics of financial results of banking institutions of Ukraine are analyzed. The necessity of increase in the absolute measurement of the authorized capital of banks in order to raise the level of their capitalization has been determined. The problems hindering successful development of national banking institutions have been identified, in particular: outflow of deposits of population, losses as result of military actions in the east of Ukraine and annexation of Crimea, growth of overdue loans, insider credits, violations in the bank activities, low level of capitalization of commercial banks. The need to change the NBU’s approaches to understanding the function of protecting the interests of depositors and creditors through the development of an instrumentarium for restructuring, professional management of banks, has been indicated.

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