Impact of the subjective factor on the stability of Ukrainian banking system
Journal Title: Економічний аналіз - Year 2018, Vol 28, Issue 1
Abstract
Introduction. Proceeding from the axiomatic nature of the assertion that the system is stable only if both central bank and second-level banks are stable, the article focuses on the nature and connection between the general financial stability indicator (financial result) and particular banking groups: systemic (at the moment consists only of the state banks), banks with foreign capital and other banks. This choice has an objective precondition, taking into consideration the difficulty in implementation of the author's approach because of the need to use a correct sample for calculations on one hand, and frequent methodological changes in statistical sources, on the other hand. The obvious fact is that each of these banking groups has not only certain features of its own activities in the banking services market but also indirectly or even directly influences the functioning of the entire banking sector in Ukraine. Purpose. The article aims to assess the qualitative impact of individual quantitative factors on the key indicator of the efficiency of banking institutions which is net profit (or loss), at the level of individual groups, as well as on the system as a whole. Method (methodology). We build multifactor regression models to determine the dependency between net profit (loss) and various quantitative parameters that describe a particular banking group as well as banking system as a whole. Results. The results of the research have clearly shown which of the factors can influence the financial outcome for outlined banking groups. We have also discovered additional quantitative factors of influence on the banking sector profit. These factors were not included into any of the models on the group level. This result vividly confirms the initial thesis about the complex nature of connection between quantitative factors of distinct banking groups and endpoint financial result of the banking system. It demands a deeper qualitative evaluation of efficiency of its functioning both on micro- and macroeconomic level.
Authors and Affiliations
Nataliia Pogorelenko
Keywords
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