Characteristics of Implementing the Regulatory Financial Strategies for Bank System Recovery
Journal Title: Бізнес Інформ - Year 2015, Vol 2, Issue 0
Abstract
The article is aimed at estimating the characteristics of implementation of regulatory strategies through the Central Bank for recovery of bank system. In the terms of the selected indicators for estimating strategic positions of banks a criteria system of «4S» is proposed: Capital Safety - the amount of registered capital (the security level); Liabilities Structure - the level of confidence in the bank (share of deposits in the banks' liabilities); Client Segment - the prevalence of legal entities deposits in deposit portfolio; Deposit Sensibility - the share of demand deposits in the deposit portfolio of bank, i.e. sensitivity to changes in the behavior of depositors) to define the prospects and regulatory actions of NBU towards the potentially problem bank institutions. By that, not only criteria for determining the «bottlenecks» in the banks' activities have been proposed, but also has been focused on the optimization of structure of the bank system as well as improving its competitiveness. Within measures for crisis management of bank has been proposed to implement using appropriate algorithm of diagnosing the financial sustainability of bank taking into account duration of problem period, systemacity of bank, amount of capital, investment attraction of bank institution. A list of measures has been defined, providing immunization of balance, consolidation of capital, restoring confidence, dedollarization of operations, recovery of institution, - all that will allow an optimizing of the decision-making process about prospects for addressing financial problems in the bank institutions through the application of the proposed recommendations of both market and regulatory nature.
Authors and Affiliations
Yuliana Kudlyak
Keywords
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