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Liburkina L. M.

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Diagnostics and Assessment of the Impact of Financial and Economic Crises on the Development of the Banking System of Ukraine
Slobodianiuk N. O., Semeniuk K. G.

Slobodianiuk, Natalia O., and Semeniuk, Kateryna G. (2024) “Diagnostics and Assessment of the Impact of Financial and Economic Crises on the Development of the Banking System of Ukraine.” Business Inform 6:315–322.
https://doi.org/10.32983/2222-4459-2024-6-315-322

Section: Finance, Money Circulation and Credit

Article is written in Ukrainian
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UDC 005.334:336.71

Abstract:
The aim of the article is to develop the theoretical foundations for diagnosing and assessing the impact of financial and economic crises on the stability of functioning of the banking system of Ukraine. The article identifies the main financial and economic crises from 1998 to 2022, as well as assesses the consequences of their impact on the banking system of Ukraine. The main causes of financial and economic crises have been systematized, it has been found that an effective instrument for counteracting the consequences of financial and economic crises on the banking system of Ukraine is the introduction by the National Bank of Ukraine of the inflation targeting regime to maintain the stability of the Hryvnia. The dynamics of changes in the NBU discount rate for 2014–2023 is studied and the NBU’s application of restrictive policy measures in 2015, 2018 and 2022, as well as expansionary policy measures in 2020 to financially stabilize the banking system is verified. It is proved that changes in the NBU discount rate directly affect the cost of loans and deposits. The structure is assessed and the balance of payments of the country for 2015–2022 is calculated, the excess of imports over exports is determined, also determined is the existing deficit of the balance of payments, which leads to a decrease in the country’s foreign exchange reserves, the outflow of currency from the country and the devaluation of the Hryvnia in general. It is proved that during the periods of financial and economic crises there is an increase in the profitability of the NBU. An assessment of the indicators of financial stability of the banking system has been provided and the main trends in their changes over the past five years have been diagnosed (currency exchange rate stability, structure of banking resources, financial results of banks and their compliance with prudential standards, settlements of the NBU with the State Budget of Ukraine, obligations to the IMF, business activity, financial stability, liquidity, solvency of banks, etc.). The article identifies and substantiates the key problems of functioning and development of the banking system of Ukraine, taking into account the destructive consequences of financial and economic crises, also further prospects for research on the chosen topic of scientific work are outlined.

Keywords: financial and economic crisis, banking system, NBU, stability, bank.

Fig.: 3. Tabl.: 2. Bibl.: 8.

Slobodianiuk Natalia O. – Doctor of Sciences (Economics), Professor, Professor, Department of Finance of Business Entities and Innovative Development, Kryvyi Rih National University (11 Vitaliia Matusevycha Str., Kryvyi Rіh, Dnіpropetrovsk region, 50027, Ukraine)
Email: [email protected]
Semeniuk Kateryna G. – Student, Kryvyi Rih National University (11 Vitaliia Matusevycha Str., Kryvyi Rіh, Dnіpropetrovsk region, 50027, Ukraine)

List of references in article

Laznia, A. “Finansova kryza: prychyny vynyknennia ta vplyv na svitovu ekonomiku“ [Financial Crisis: Causes and Impact on the World Economy]. Svit finansiv. 2012. http://sf.wunu.edu.ua/index.php/sf/article/view/626/634
Voronova, O. V., Marushchak, S. M., and Puhachov, M. I. “Hlobalni finansovo-ekonomichni kryzy ta yikh vplyv na ekonomiku derzhav“ [Global Financial and Economic Crises and Their Impact on the Economy of States]. Ekonomika ta suspilstvo, no. 51 (2023). DOI: https://doi.org/10.32782/2524-0072/2023-51-9
Metelenko, N. H., and Khatser, M. V. “Kryza natsionalnoi bankivskoi systemy: prychyny, tendentsii ta shliakhy podolannia“ [National Banking System Crisis: Reasons, Tendencies and Ways to Solve]. Derzhava ta rehiony. Seriia «Ekonomika ta pidpryiemnytstvo». 2016. http://www.econom.stateandregions.zp.ua/journal/2016/4_2016/14.pdf
“Osoblyvosti ekonomichnykh kryz v Ukraini 1998, 2008 i 2014 rokiv“ [Peculiarities of Economic Crises in Ukraine in 1998, 2008 and 2014]. Slovo i dilo. March 25, 2020. https://www.slovoidilo.ua/2020/03/25/infografika/ekonomika/osoblyvosti-ekonomichnyx-kryz-ukrayini-1998-2008-2014-rokiv
Melnyk, A. O. “Svitovi ekonomichni kryzy v ekonomitsi Ukrainy ta yikh naslidky“ [The Global Economic crisis in the Ukrainian Economy and Their Consequences]. Hlobalni ta natsionalni problemy ekonomiky. 2014. http://global-national.in.ua/archive/2-2014/22.pdf
“2014 rik: Ekonomichni pidsumky dlia Ukrainy“ [2014: Economic Results for Ukraine]. Instytut ekonomichnykh doslidzhen ta politychnykh konsultatsii. http://www.ier.com.ua/files/Regular_products/Economic_Summary/ES_2014_ukr.pdf
Ofitsiinyi sait Natsionalnoho banku Ukrainy. https://bank.gov.ua/
Minfin. https://index.minfin.com.Ua/ua/exchange/nbu/curr/usd/

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