BUSINESS INFORM JOURNAL.

УКР

ENG

Search:

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

Assessing the Interbank Loans Market of the Systemically Important Banks in Ukraine
Romashko O. M., Marynchak L. R., Matskiv R. T.

Romashko, Oleksandra M., Marynchak, Liliya R., and Matskiv, Romana T. (2023) “Assessing the Interbank Loans Market of the Systemically Important Banks in Ukraine.” Business Inform 6:164–171.
https://doi.org/10.32983/2222-4459-2023-6-164-171

Section: Finance, Money Circulation and Credit

Article is written in Ukrainian
Downloads/views: 13

Download article (pdf) -

UDC 336.77

Abstract:
The aim of the study is to assess the state of interbank lending to the systemically important banks in Ukraine, taking into account the current conditions of functioning of the economy. The article analyzes the dynamics of the number of banking institutions for 2008–2023, identifies the causes and consequences of their significant reduction. The essence and significance of systemically important banks are determined; approaches and principles of granting banking institutions the status of systemically important (SIB) are described; special conditions for withdrawal of SIB from the market under martial law have been allocated. A comprehensive analysis of the state of interbank lending to systemically important banks in Ukraine during 2019–2022 was carried out, in particular, the total amount of interbank loans received, the activity of the SIBs to attract interbank loans (IBCs) by their share in the total amount of liabilities, by the share of IBC in the balance sheet currency and the ratio of IBC to equity during the analyzed period were examined. The results of the carried out study indicate that it is interbank loans that are characterized by a quick reaction to changes in financial market conditions. It has been determined that systemically important banks of Ukraine reduce their dependence on interbank financing, which in practice means their financial stability and strength. It is proved that the studied banks, when forming the resource base, try to avoid a high share of interbank loans both in the total amount of mobilized funds and in comparison with equity, since IBCs are the most expensive instruments for replenishing the resource base of commercial banks. Emphasis is placed on important achievements of the systemic reform of the banking sector, which led to the cleansing of the domestic market from weak and unreliable banks and the construction of a Western-style banking system in Ukraine in compliance with world standards of banking business. Thanks to proper regulation and control on the part of the NBU over the observance by commercial banks of the established norms and rules of conducting banking business, the domestic banking system steadfastly endures all modern challenges and even in conditions of a full-scale war proves its financial stability and reliability, maintaining customer trust and recognition of international partners.

Keywords: interbank loans, systemically important banks, liabilities, equity.

Fig.: 1. Tabl.: 4. Bibl.: 10.

Romashko Oleksandra M. – Candidate of Sciences (Economics), Associate Professor, Associate Professor, Department of Finance, Accounting and Taxation, Ivano-Frankivsk National Technical University of Oil and Gas (15 Karpatska Str., Ivano-Frankіvsk, 76019, Ukraine)
Email: [email protected]
Marynchak Liliya R. – Candidate of Sciences (Economics), Associate Professor, Department of Finance, Ivano-Frankivsk National Technical University of Oil and Gas (15 Karpatska Str., Ivano-Frankіvsk, 76019, Ukraine)
Email: [email protected]
Matskiv Romana T. – Candidate of Sciences (Economics), Associate Professor, Department of Theory of Economics and Management, Ivano-Frankivsk National Technical University of Oil and Gas (15 Karpatska Str., Ivano-Frankіvsk, 76019, Ukraine)
Email: [email protected]

List of references in article

Halapup, L. O. “Suchasni tendentsii funktsionuvannia rynku mizhbankivskoho kredytuvannia v Ukraini“ [Current Trends of Functioning of the Interbank Lending Market in Ukraine]. Ekonomichnyi analiz. 2016. http://dspace.wunu.edu.ua/bitstream/316497/8377/1/4.pdf
Larionova, K. L., and Vidlatskyi, V. A. “Teoretychni aspekty vyznachennia mizhbankivskoho kredytnoho rynku ta yoho suchasnyi stan v Ukraini“ [Theoretical Aspects of the Definition of the Interbank Credit Market and Its Current State in Ukraine]. Finansovyi prostir, no. 2 (2015): 32-37.
“Kilkist bankiv v Ukraini (2008-2023)“ [Number of Banks in Ukraine (2008-2023)]. Minfin : vebsait. https://index.minfin.com.ua/ua/banks/stat/count/
“Onovlenyi spysok systemno vazhlyvykh bankiv“ [Updated List of Systemically Important Banks]. Natsionalnyi bank Ukrainy : vebsait. March 01, 2021. https://bank.gov.ua/ua/news/all/natsionalniy-bank-onoviv-perelik-sistemno-vajlivih-bankiv-10928#
“NBU rozshyryv perelik systemno vazhlyvykh bankiv. Teper yikh 14“ [The NBU Expanded the List of Systemically Important Banks. Now There Are 14 of Them]. Liha. Finansy : vebsait. March 10, 2022. https://finance.liga.net/ua/bank/novosti/nbu-rasshiril-spisok-sistemno-vajnyh-bankov-teper-ih-14
[Legal Act of Ukraine] (2022). https://zakon.rada.gov.ua/laws/show/2643-20#Text
“Natsionalnyi bank onovyv perelik systemno vazhlyvykh bankiv“ [The National Bank Has Updated the List of Systemically Important Banks]. Natsionalnyi bank Ukrainy : vebsait. March 10, 2023. https://bank.gov.ua/ua/news/all/natsionalniy-bank-onoviv-perelik-sistemno-vajlivih-bankiv-16072#
“Nahliadova statystyka“ [Supervisory Statistics]. Natsionalnyi bank Ukrainy : vebsait. https://bank.gov.ua/ua/statistic/supervision-statist/data-supervision#2
Chub, P., and Bernatska, O. “Rol zaluchenykh resursiv v zabezpechenni finansovoi stiikosti banku“ [The Role of Funds Raised in Satisfying of Bank's Financial Stability]. Rynok tsinnykh paperiv Ukrainy. 2015. http://securities.usmdi.org/PDF/941.pdf
Velychkin, V. O., and Stolpak, A. O. “Upravlinnia formuvanniam resursnoi bazy banku v umovakh makro- ta mikroekonomiky“ [Management of Forming the Banks' Resources in Macro- and Microeconomics Conditions]. Ekonomichnyi forum. 2015. http://212.1.86.13/jspui/bitstream/123456789/2300/1/ecfor_2015_3_58.pdf

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»

The site and its metadata are licensed under CC BY-SA.

Write to webmaster