Financial Sustainability of the Banking Sector under Influence of the Structure of Owner Capital and Macroeconomic Factors
Journal Title: Бізнес Інформ - Year 2015, Vol 3, Issue 0
Abstract
The article details the theoretical-methodological approaches to determine the most significant factors of influence on the financial sustainability of banks and the banking sector in a whole, as well as elaborates managerial interventions for reducing their negative effect. In the research process the works, aimed at the issue of banks' capitalization, liquidity support and improving their financial sustainability, were considered. The multifactor models options related to dependence of actual values of capital and bank liquidity norms on external and internal factors have been calculated. A study on influence of each factor on the financial sustainability of a particular bank has been carried out on example of the PAT CB «PrivatBank», also taking into consideration the banking sector as a whole, that allowed to identify the most important internal and external factors of influence. The result of research in this area are the elaborated recommendations for maintaining and improving the financial sustainability, ensuring sufficient level of capital, maintenance of the existing level of liquidity, minimizing the effects of internal and external factors. A promising direction is to study the influence of macro-economic factors on the bank's financial sustainability (in view of the obligatory norms of the credit risk and investment), as well as internal factors, particularly structure of the investment and crediting portfolios of both individual bank and banking sector.
Authors and Affiliations
Nadiya Vyadrova, Iryna Nagay
Keywords
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