Кафедра управління фінансами, облікової аналітики та моніторингу бізнесу (ДМетІ)
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ENG:Department of Financial Management, Accounting Analytics and Business Monitoring (DMetI)
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Browsing Кафедра управління фінансами, облікової аналітики та моніторингу бізнесу (ДМетІ) by Subject "anti-crisis management"
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Item Financial Self-Recovery of the Bank under Marital Law(Дніпровський державний аграрно-економічний університет, ТОВ «ДКС Центр», 2024) Dron, Maryna A.; Taranenko, Artem S.ENG: The purpose of this study is to improve the development of directions for selfhealing of a bank under martial law. To achieve this goal, the author analyzes the main areas of recovery of a bank's activities in crisis conditions, namely: increasing the level of equity capital; additional financing; sale of assets; restructuring of liabilities. It is established that during the period of martial law, it is necessary to implement the Plan for Restoring Financial Stability in a Crisis, which was developed by the bank in advance. The purpose of this Plan is to develop measures in advance to support the bank's continuing operations in the event of a significant deterioration in its financial condition due to changes in internal and external environment factors. This plan should define in advance a set of options and tools for actions in various stressful situations, including martial law. In combination with other anti-crisis banking instruments, the areas of self-healing should be diverse and varied. It is noted that the assessment of the effectiveness of the bank's recovery areas should be carried out through the procedure of stress testing of the main banking risks: credit, liquidity and market. The authors identify the main criteria for successful self-healing of a bank under martial law: compliance by the bank with economic standards and internal restrictions; stopping the outflow of customer funds; creating a sufficient stock of liquid resources; achieving an optimal balance between assets and liabilities by maturity; no bank debt in fulfilling customer payment documents; full repayment of debt or reaching an agreement on debt restructuring to stakeholders; an increase in the share of standard loans; a steady trend toward improved financial results; the closure of unprofitable business lines. It is concluded that in 2022, the banking sector operated smoothly, maintained liquidity, and provided loans, although with due regard to the peculiarities of wartime. This was made possible by identifying areas of self-healing for banks, as well as sector reforms carried out in previous years by the national regulator.