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Liburkina L. M.

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Essence of Competitiveness in the Banking Sector: The Status and Problems
Viadrova I. M., Morozov M. V.

Viadrova, Inna M., and Morozov, Mykhailo V. (2020) “Essence of Competitiveness in the Banking Sector: The Status and Problems.” Business Inform 11:324–330.
https://doi.org/10.32983/2222-4459-2020-11-324-330

Section: Finance, Money Circulation and Credit

Article is written in Ukrainian
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UDC 336.71

Abstract:
The article is aimed at closer defining the content of the concept of «bank competitiveness», as well as analyzing the status and problems of ensuring a competitive environment in the banking system of Ukraine. The essence of banking competition was researched and a critical analysis of approaches to understanding the concept of «bank competitiveness» was carried out. Under the concept of «bank competitiveness», it is proposed to understand the integral characterization, which will reflect the real and potential opportunities of the bank to create and promote competitive products and services that meet all customer requirements, occupy and maintain stable positions in the banking market. The analysis of the competitive environment in the banking sector of Ukraine was carried out. The distribution of net assets of banks by groups: State-owned, foreign, private and separately PrivatBank is also analyzed. The assessment of the level of concentration in the banking sector was carried out by calculating the Herfindahl-Hirschmann Index by the level of total and net assets, as well as by the market of deposits of individuals. According to the identified dynamics, an unambiguous conclusion was made that the banking sector of Ukraine is low-concentrated. In general, the analysis of the competitive environment showed positive tendencies and an increase in the competitiveness of banks. The problems that continue to adversely affect the level of competitiveness of banks are allocated as follows: significant proportion of the State-owned banks; problems in lending to big business, as well as the generally low level of capitalization of Ukrainian banks compared to foreign credit institutions; the insufficient number of products and services offered by banks compared to foreign banking markets.

Keywords: competition, bank competitiveness, competitive environment, free competition, unfair competition.

Fig.: 3. Tabl.: 1. Bibl.: 9.

Viadrova Inna M. – Candidate of Sciences (Economics), Associate Professor, Deputy Director, Educational and Scientific Institute «Karazin Banking Institute» of V. N. Karazin Kharkiv National University (55 Peremohy Ave., Kharkiv, 61174, Ukraine)
Email: [email protected]
Morozov Mykhailo V. – Masters Student, V. N. Karazin Kharkiv National University (4 Svobody Square, Kharkіv, 61022, Ukraine)
Email: [email protected]

List of references in article

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