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Identification of Qualifying Factors of Influence in the Context of Financial Stability Management of a Commercial Bank
Kovalova O. M.

Kovalova, Olena M. (2021) “Identification of Qualifying Factors of Influence in the Context of Financial Stability Management of a Commercial Bank.” Business Inform 7:212–221.
https://doi.org/10.32983/2222-4459-2021-7-212-221

Section: Finance, Money Circulation and Credit

UDC 336.71

Abstract:
The article is aimed at closer defining the theoretical provisions for improving the management of financial stability of a commercial bank and assessing its current state in the context of the impact of destabilizing factors. Scientific approaches to the definition of the category of «financial stability of a commercial bank» are considered, which allows to detail its characteristic features and form a comprehensive idea of the financial stability of a commercial bank as a system category, the timely estimation of benchmarks of which allows minimizing the impact of specific and systematic risks to the economic environment in conditions of high uncertainty. The article systematizes the normative legal acts regulating all potential aspects of the commercial bank's financial stability shift due to changes in the structure of capital, liquidity, solvency, credit risks and being part of the information provision for the analysis of financial stability of a commercial bank. The classification of factors influencing the financial stability of a commercial bank is generalized. The influence of the epidemiological crisis associated with the spread of COVID-19 on key benchmarks of the banking system in terms of assessing the financial stability of the banking institution is examined. The dynamics of changing the proportion of non-performing loans of commercial banks of Ukraine is analyzed, as lending creates the basis for ensuring a balance between temporarily free funds and the amount of resources required at the microlevel of the financial system for sustainable development. Particular attention is paid to the aspects of balance and sustainability of the resource base of the commercial bank, which led to a thorough analysis of the liabilities of the banking system from the position of influencing the financial stability of a commercial bank.

Keywords: financial stability, commercial bank, prudential standards, factors of influence, administration, loans.

Fig.: 7. Tabl.: 1. Bibl.: 22.

Kovalova Olena M. – Candidate of Sciences (Economics), Associate Professor, Associate Professor, Department of Accounting, Analysis and Audit, Odesa Polytechnic National University (1 Shevchenko Ave., Odesa, 65044, Ukraine)
Email: [email protected]

List of references in article

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