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Analyzing the Structural Changes in the Credit Performance Indicators of Banks of Ukraine
Rakhman M. S., Haltseva O. M.

Rakhman, Mahbubur S., and Haltseva, Olena M. (2020) “Analyzing the Structural Changes in the Credit Performance Indicators of Banks of Ukraine.” Business Inform 9:228–238.
https://doi.org/10.32983/2222-4459-2020-9-228-238

Section: Finance, Money Circulation and Credit

UDC 336.77.01

Abstract:
The revenue part of the banking institution is formed mainly due to the volume of credits provided and depends on the conditions of crediting the financial services market participants. Consequently, the insufficiency or inaccessibility of credit resources adversely affects the status of the entire economy. The article is aimed at an economic and statistical analysis of the current status of credit activity of the banking system of Ukraine in the dynamic conditions of development of the national economy, identifying tendencies, substantiating the prospects for expanding and reducing the risks of credit activities of banking institutions. The role and tasks of the bank’s credit operations in the country’s economy are considered; the status of the credit portfolio of the banking system in recent years is characterized; a new redistribution of banks to groups by the structure of authorized capital and the size of assets is provided. An analysis of the volumes and structure of the banks’ assets in terms of organizational and legal forms of ownership (public, private, foreign) and the proportion of credits in the structure of assets is carried out. The authors analyze changes in the total volumes and dynamics of crediting in terms of: crediting entities; national and foreign currencies; dynamics of the exchange rate and the structure of crediting by type of activity. The impact of seasonality of credit provision is identified. An assessment of the number, structure and volumes of crediting by non-financial credit institutions is provided. The predictive models are developed using different mathematical functions and statistical methods. As a result of the carried out SWOT-analysis, the main problems and shortcomings of the banking system are identified. A project of recommendations on reducing credit risks is proposed.

Keywords: banking system, credit, analysis, foreign exchange rate, seasonality, SWOT-analysis, forecast, recommendations.

Fig.: 13. Tabl.: 1. Bibl.: 11.

Rakhman Mahbubur S. – Candidate of Sciences (Economics), Associate Professor, Associate Professor, Department of Marketing, Management and Entrepreneurship, V. N. Karazin Kharkiv National University (4 Svobody Square, Kharkіv, 61022, Ukraine)
Email: [email protected]
Haltseva Olena M. – 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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“Osnovni pokaznyky diialnosti bankiv“ [The Main Indicators of Banks]. Ministerstvo finansiv Ukrainy. https://index.minfin.com.ua/banks/stat/
“Ohliad bankivskoho sektoru. Traven 2020 roku“ [Overview of the Banking Sector. May 2020]. NBU. https://bank.gov.ua/admin_uploads/article/Banking_Sector_Review_2020-05.pdf?v=4
“Dani statystyky finansovoho sektoru“ [Financial Sector Statistics]. NBU. https://bank.gov.ua/ua/statistic/sector-financial/data-sector-financial#1ms
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“Sumarni aktyvy bankiv Ukrainy“ [Total Assets of Ukrainian Banks]. Ministerstvo finansiv Ukrainy. https://index.minfin.com.ua/banks/stat/active/2020/
Hlushchenko, V. V., and Sadova, H. O. “Suchasni tendentsii bankivskoho kredytuvannia v Ukraini“ [The Modern Tendencies of Bank Crediting in Ukraine]. Biznes Inform. 2018. https://www.business-inform.net/export_pdf/business-inform-2018-10_0-pages-321_326.pdf
Kovalenko, V. V. Kredytna diialnist bankiv Ukrainy: problemy ta perspektyvy rozvytku [Lending Activities of Ukrainian Banks: Problems and Prospects for Development]. Odesa, 2015.
Serhieieva, O. S. Tyshchenko M. O. “Problemy kredytnoi diialnosti bankivskoi systemy Ukrainy“ [Problems in Crediting of the Banking System of Ukraine]. Skhidna Yevropa: ekonomika, biznes ta upravlinnia. 2017. http://srd.pgasa.dp.ua:8080/xmlui/bitstream/handle/123456789/1408/Serhieieva.pdf?sequence=1&isAllowed=y
“Informatsiia pro stan i rozvytok kredytnykh ustanov Ukrainy“ [Information on the State and Development of Credit Institutions in Ukraine]. https://www.nfp.gov.ua/ua/Informatsiia-pro-stan-i-rozvytok-kredytnykh-ustanov-Ukrainy.html
“Informatsiia pro stan i rozvytok lombardiv Ukrainy“ [Information on the State and Development of Pawnshops in Ukraine]. https://www.nfp.gov.ua/ua/Informatsiia-pro-stan-i-rozvytok-lombardiv-Ukrainy.html

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