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Banking Risk Management During the Wartime
Yasinovska I. F., Sheremeta L. M.

Yasinovska, Iryna F., and Sheremeta, Liubov M. (2024) “Banking Risk Management During the Wartime.” Business Inform 11:237–246.
https://doi.org/10.32983/2222-4459-2024-11-237-246

Section: Finance, Money Circulation and Credit

Article is written in Ukrainian
Downloads/views: 12

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UDC 336.7

Abstract:
The article is devoted to the study of the features of bank risk management. It is determined that domestic banks must be ready to operate in conditions of constant instability, where effective risk management becomes a key factor for survival and development in the face of growing threats. It is emphasized that improving the risk management system under martial law is an extremely important process that will contribute to the stability of the banking sector. Based on the analysis of the risk map of the Ukrainian financial sector during 2021–2024, there has been an increase in risks since the beginning of the ongoing war, especially macroeconomic and credit risks for the corporate sector. However, in 2023-2024, there is a tendency to stabilize, which indicates the gradual adaptation of banks to the new conditions. A high level of macroeconomic risk leaves the overall economic situation unstable, which requires increased attention to risk management. On the basis of the carried out study, the system of bank risk management is characterized, and it should be focused on ensuring the stable operation of banks in conditions of uncertainty. It involves the use of an integrated approach, in particular in the aspects of forecasting, organization, control and management of all types of risks, as well as their integration into the strategic planning and operational activities of the bank. The article considers and conducts a comparative characteristic of the main methods for assessing the financial risks of the bank. Among them, the most universal methods for assessing financial banking risks are stress testing and the method of analogies. The process of banking risk management includes identification, assessment, decisions on risk acceptance or abandonment, implementation of measures to minimize risks, as well as their monitoring and control. The stage of implementation of measures to minimize financial risks may involve the use of such tools and methods as insurance, hedging, setting limits, diversification and reserves. The article identifies the main problems that Ukrainian banks face in risk management. Based on this, ways to improve risk management of domestic banks are proposed. This made it possible to determine the advantages of effective risk management for the bank.

Keywords: risk, risk management, banking system, risk management, credit risk, minimization.

Fig.: 4. Tabl.: 3. Bibl.: 15.

Yasinovska Iryna F. – Candidate of Sciences (Economics), Associate Professor, Associate Professor, Department of Financial Management, Ivan Franko National University of Lviv (1 Unіversytetska Str., Lvіv, 79001, Ukraine)
Email: [email protected]
Sheremeta Liubov M. – Master, Ivan Franko National University of Lviv (1 Unіversytetska Str., Lvіv, 79001, Ukraine)
Email: [email protected]

List of references in article

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