System Analysis of the Profitability of Banks in Ukraine
Journal Title: Бізнес Інформ - Year 2015, Vol 9, Issue 0
Abstract
The article is aimed at improving the methodological and scientific-practical approaches to the system analysis of the profitability of banks. The developed methodological approaches are based on the international standards and the use of economic-statistical methods. The multi-factor regression models, which have been built, have enabled a quantification of impact of the factor indicators on the outcome indicators of banks in Ukraine, establishing the similarity of behavior of banks during financial crises in different periods, as well as disclosing the relationship between the level of profitability and the liquidity of banks. The proposed model of the system analysis of the return on assets provides for the ability to quantitatively measure the impact of factor indicators on the profitability of assets, determine the causes of the growth or the deteriorating of the indicator of the profitability of assets. The developed approach is based on the use of the effective indicators - return on assets (ROA) and return on equity (ROE) in complex with the factor indicators. The use of the proposed approach in practice allows to identify trends and the main factors affecting the profitability, compare the results of the operation between the Ukrainian banks as well as with international banks and identify ways of enhancing their efficiency.
Authors and Affiliations
Ganna Karcheva
Keywords
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