Business model of an export-import bank for Ukraine

LYUBICH, Oleksandr; BORTNIKOV, Gennadiy; OLIINYK, Dmytro

doi:10.33763/finukr2022.12.022

Cited by 4 publications

(2 citation statements)

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“…Financial groups -banks also fully meet the increasingly diverse and complex financial needs. The speed of development of the global economy in general and of each economy in particular has led to a drastic change in the demand for financial services of customers, which is no longer just a service in a 2 Lyubich O., Bortnikov H., Panasenko H. (2016). Analysis business model of state banks in Ukraine, Finance of Ukraine, 10, 7-38.…”

Section: The Role Of Financial -Banking Groups In the Development Of ...mentioning

confidence: 99%

“…The results of some studies confirm the thesis that economically ineffective banks are closer to the risk of default. 2 The establishment of banking and financial groups in terms of investment brings many advantages in business activities, but also poses great problems in risk management 3 , 4 . In terms of advantages, in addition to a tight organizational structure, in terms of operations, the banking and financial group model creates a more flexible environment for business entities in the face of operational barriers established by regulatory requirements.…”

Section: Introductionmentioning

confidence: 99%

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Financial Banking Group Model in Some Countries in the World - Recommendations for Building and Completing the Legal Framework in Vietnam

2023

Russian Law Journal

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In order to affirm the competitive position and the development of the banking system in the integration period and respond to the changes of the world economy, the establishment of joint-stock commercial banks into financial and banking groups (investment and business activities on all three financial, securities and insurance markets) will create sustainable development for both the banking system and the economy. However, the development of the joint-stock commercial banking system into financial groups with banking as the mainstay requires a clear legal framework as a foundation to promote the operational efficiency of commercial banks. while also ensuring the safety of the banking system. On the basis of analyzing the role of financial and banking groups, studying the status of commercial banks through secondary documents, referencing models of financial and banking groups of some countries in the world. and recommend building a legal framework on the banking and financial group model for commercial banks in Vietnam.

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Section: The Role Of Financial -Banking Groups In the Development Of ...mentioning

confidence: 99%

Section: Introductionmentioning

confidence: 99%

Financial Banking Group Model in Some Countries in the World - Recommendations for Building and Completing the Legal Framework in Vietnam

2023

Russian Law Journal

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Strategic imperatives of functioning of public sector banks in the post-war stage

LYUBICH¹,

OLIINYK²

2023

Fìnansi Ukr.

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Introduction. The issue of the role of state-owned banks in modern conditions is attracting more and more attention. In Ukraine, the share of the state-owned banks segment makes up more than half of the banking services market. Accordingly, the synthesis of existing experience and the development of approaches to the use of the potential of state banks in the interests of supporting the development of the economy in crisis conditions is an urgent scientific task for Ukraine. Problem Statement. The role and place of state banks in ensuring economic development in conditions of exogenous challenges. Purpose. To determine the peculiarities of the work of banks with state participation in the capital in Ukraine and to provide recommendations for increasing the efficiency of using their potential in war conditions and at the stage of post-war economic recovery. Methods. The work uses the methods of theoretical generalization, systematic, comparative and economic analysis, systematization, logical generalization, analytical presentation, and synthesis. Results. In accordance with foreign experience, it has been confirmed that in the conditions of wartime challenges, state banks play an important stabilizing role in ensuring the stability of the financial market. During the war, Ukrainian state banks were able not only to ensure uninterrupted provision of financial services and payment and settlement operations, but also to support the implementation of state credit programs. The segment of state banks plays an important role in the financial support of the state's fiscal policy. Such a role of state-owned banks in Ukraine will most likely remain at the stage of post-war economic recovery. Conclusions. In accordance with the acquired advantages and experience of pre-war activities, the forces of state banking institutions should be concentrated in the key areas of supporting the functioning of the economy in wartime conditions within the framework of defined state policy tasks. At the same time, the strategy of their activities needs to be adjusted with increased specialization in accordance with the strategic directions of economic recovery.

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Institutional factors contributing to the stagnation of the bank lending market in Ukraine and ways of its overcoming

Bublyk,

Yershova,

Harkavenko

et al. 2024

Fìnansi Ukr.

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Introduction. Expanding credit support for the economy in conditions of full-scale war is a necessary and important factor for its sustainable reproduction, reconstruction of destroyed assets and development of industrial production. However, the development of lending in the conditions of war cannot take place according to peaceful approaches. Problem Statement. In crisis conditions the effect of liberal market mechanisms is limited by non-market risks, that is why the bank lending market needs state support. At the same time, in the war of attrition, in order to effectively support economic activity, the priorities of bank lending in the state must also change. However, a number of institutional gaps in the credit market of Ukraine are currently preventing this task from being solved. Purpose. On the basis of the theoretical and empirical aspects of the stagnation of the bank lending market, to identify institutional obstacles to the development of the credit market of Ukraine and propose a set of measures in terms of state policy to strengthen its targeting in the interests of military endurance. Methods. In the course of the research, general scientific and special methods were applied, in particular: statistical analysis, grouping, description, comparison, theoretical generalization and abstract logical methods. The results. The analysis of bank lending for 2014-2023 revealed its structural degradation, which is manifested by a decrease in the share of long-term loans, as well as a drop in the volume of lending in the industry, construction sectors and residential mortgages, which are most in demand for the development of the economy. A number of institutional gaps in the credit system of Ukraine have been identified, which manifest themselves: firstly, in the weakness of state policy in the field of crediting development of the economy; secondly, due to the peculiarities of the monetary policy of the NBU under the strict inflation targeting regime; thirdly, due to the deformation of the mechanism of corporate financing and the underdevelopment of the institute for working with bad assets (bad loans). Conclusion. The authors proposed a set of measures regarding state policy to solve the problem of stagnation of bank lending to the economy and strengthen its targeting in the interests of military endurance in separate areas: approval of the list of priority industries and enterprises to facilitate the scoring of credit applications and their further support by state tools; to intensify lending to the economy through state banks within the framework of state programs of economic development; to revise the monetary policy in the direction of harmonizing the interests of price stability with the needs of credit support of the economy. The expediency of introducing preferential regulatory requirements of the NBU to state-owned banks, in particular with specialization, taking into account their differences and powers, as well as optimizing targeted preferential lending programs; ways of restoring the attractiveness of Ukrainian enterprises as borrowers are outlined. Recommendations have been made to simplify the procedures for write-off/sale of non-performing assets.

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Business model of an export-import bank for Ukraine

Cited by 4 publications

References 6 publications

Financial Banking Group Model in Some Countries in the World - Recommendations for Building and Completing the Legal Framework in Vietnam

Financial Banking Group Model in Some Countries in the World - Recommendations for Building and Completing the Legal Framework in Vietnam

Strategic imperatives of functioning of public sector banks in the post-war stage

Institutional factors contributing to the stagnation of the bank lending market in Ukraine and ways of its overcoming

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