REGISTRATION CERTIFICATE

KV #19905-9705 PR dated 02.04.2013.

 FOUNDERS

RESEARCH CENTRE FOR INDUSTRIAL DEVELOPMENT PROBLEMS of NAS (KHARKIV, UKRAINE)

According to the decision No. 802 of the National Council of Television and Radio Broadcasting of Ukraine dated 14.03.2024, is registered as a subject in the field of print media.
ID R30-03156

 PUBLISHER

Liburkina L. M.

 SITE SECTIONS

Main page

Editorial staff

Editorial policy

Annotated catalogue (2011)

Annotated catalogue (2012)

Annotated catalogue (2013)

Annotated catalogue (2014)

Annotated catalogue (2015)

Annotated catalogue (2016)

Annotated catalogue (2017)

Annotated catalogue (2018)

Annotated catalogue (2019)

Annotated catalogue (2020)

Annotated catalogue (2021)

Annotated catalogue (2022)

Annotated catalogue (2023)

Annotated catalogue (2024)

Thematic sections of the journal

Proceedings of scientific conferences

Postal Bank in Ukraine: The Need and Risks of Creation
Hladkykh D. M.

Hladkykh, Dmytro M. (2021) “Postal Bank in Ukraine: The Need and Risks of Creation.” Business Inform 6:228–234.
https://doi.org/10.32983/2222-4459-2021-6-228-234

Section: Finance, Money Circulation and Credit

UDC 336.71

Abstract:
The article is aimed at substantiating the feasibility of creating a specialized postal bank in Ukraine, to define the list of related risks and possible directions for their reduction. The following key risks that hinder the establishment of a postal bank in Ukraine are identified: risk of lack of full control over the directions of investment of accumulated deposits of the population on the part of the NBU; liquidity risk; risk of non-compliance by the postal operator with economic standards that are mandatory for banking institutions; risk of capital deficit; risk of inability to support the postal operator with refinancing; risk of mass withdrawal of deposits by customers; risk of insufficient competence of «Ukrposhta» employees to comply with the requirements of financial monitoring; risks associated with the collection of large amounts of cash; risk of further growth of the share of the State-owned institutions in the banking market; risk of shortage of funds to close the agreement on the purchase of «Ukrposhta» by an already operating bank. Possible directions of minimization of these risks are proposed, in particular: implementation of key elements of successful experience in the banking services market of JSPPB «Aval»; defining as the target segment of clients of the new postal bank of the pensioners, who are currently customers of post offices, and as the basis of its resource base – the future pension and current accounts of individuals; use by «Ukrposhta» of the so-called «agency» model of financial services provision; association of «Ukrposhta» and «Oschadbank» into the State-owned Postal Bank; development of a list of key performance indicators for employees and branches of the new postal bank; development of a list of measures directed towards significantly improving the level of qualification of personnel of «Ukrposhta» branches; installation of POS-terminals and payment terminals in all post offices located in rural areas; establishment of individual economic standards for the new postal bank for the period of its full adaptation to activities in the banking market.

Keywords: bank, postal bank, ««Ukrposhta»», NBU, risks.

Tabl.: 2. Bibl.: 13.

Hladkykh Dmytro M. – Doctor of Sciences (Economics), Associate Professor, Department of Economic Strategy, The National Institute for Strategic Studies (7a Pyrohova Str., Kyiv, 01030, Ukraine)
Email: [email protected]

List of references in article

Baranovskyi, O. I. “Spetsyfika finansovoi bezpeky v bankivskii sferi“ [Peculiarity of Financial Security in the Banking Area]. Visnyk Natsionalnoho banku Ukrainy, no. 9 (2014): 17-23.
Blinov, A. “Vyzhyly ne vsi: shcho vidbuvaietsia z poshtovymy bankamy u sviti“ [Not Everyone Survived: What Is Happening with Postal Banks in the World]. Ekonomichna pravda. June 16, 2020. https://www.epravda.com.ua/publications/2020/06/16/661788
Vlasiuk, O. S. “Finansova systema Ukrainy: problemy ta priorytety ozdorovlennia“ [The Financial System of Ukraine: Problems and Priorities of Improvement]. Stratehichni priorytety, no. 4 (2015): 4-15.
Heiets, V. M. “Yakisni zminy v ekonomitsi Ukrainy ye nahalnymy“ [Quality Changes in Ukraine's Economy are Urgent]. Visnyk Natsionalnoho banku Ukrainy, no. 4 (2014): 5-9.
Dziubliuk, O. “Sotsialno-ekonomichni zasady suspilnoi doviry do bankivskoho sektoru“ [Socio-economic Principles of Public Confidence in the Banking Sector]. Visnyk Ternopilskoho natsionalnoho ekonomichnoho universytetu. 2016. http://visnykj.wunu.edu.ua/index.php/visnykj/article/view/688/701
Zaharii, V. P. “Monetarni vazheli dosiahnennia finansovoi bezpeky: dosvid rozvynenykh krain“ [Monetary Tools of Ensuring Financial Security: Experience of Developed Countries]. Biznes Inform. 2014. https://www.business-inform.net/export_pdf/business-inform-2014-4_0-pages-400_405.pdf
Kovalenko, V. V., and Haidukovych, V. S. “Dostatnist kapitalu bankivskoi systemy v umovakh tsyklichnoho rozvytku ekonomiky“ [Capital Adequacy of the Banking System in Terms of Cyclical Economic Development]. Stratehichni priorytety, no. 1 (2014): 48-58.
Liutyi, I. O., and Moroz, P. A. “Superechnosti protsesiv finansializatsii ta yikh vplyv na ekonomichne zrostannia v Ukraini“ [Contradictions of the Processes of Financialization and their Influence on the Economic Growth in Ukraine]. Ekonomika Ukrainy, no. 4 (2014): 29-39.
Maganov, V. V. “Formirovaniye i razvitiye sberegatelnoy infrastruktury bankovskoy sistemy v Rossiyskoy Federatsii“ [Formation and Development of the Savings Infrastructure of the Banking System in the Russian Federation]: dis. … d-ra ekon. nauk : 08.00.01, 2018.
Naumenkova, S. V., and Mishchenko, V. I. “Rozvytok kredytuvannia u postkryzovykh umovakh“ [Development of Lending in Post-crisis Conditions]. Bankivska sprava, no. 1 (2013): 3-19.
Smovzhenko, T., Bahratian, H., and Kravchenko, I. “Makroekonomichna polityka v Ukraini v 2014-2019 rr.: bankivska i finansova sfery“ [Macroeconomic Policy of Ukraine for 2014 - 2019: Banking and Financial Areas]. Visnyk Natsionalnoho banku Ukrainy, no. 10 (2014): 20-24.
“IPC Global Postal Industry Report 2019 reveals that e-commerce accounts for more than half of postal industry growth“. https://www.ipc.be/news-portal/general-news/2019/12/13/14/41/ipc-global-postal-industry-report-2019
“Directive (EU) 2015/2366 of the European Parliament and of the Council of 25 November 2015 on payment services in the internal market, amending Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and Regulation (EU) No 1093/2010, and repealing Directive 2007/64/EC“. http://data.europa.eu/eli/dir/2015/2366/oj

 FOR AUTHORS

License Contract

Conditions of Publication

Article Requirements

Regulations on Peer-Reviewing

Publication Contract

Current Issue

Frequently asked questions

 INFORMATION

The Plan of Scientific Conferences

 OUR PARTNERS

Journal «The Problems of Economy»