Comparative Analisys of Factors Non-Performing Loan in Ukraine and India

The article is devoted to the analysis of the main quantitative indicators of the development of the banking sector of Ukraine: the number of banks included in the State Register; the number of licensed banks; the number of operating banking institutions; the number of banks with foreign capital; the number of banks under liquidation, etc. The dynamics of the assets of the banking system in Ukraine and the main reasons for the identified trends are given. The structure of bank assets is determined. The dynamics and structure of Ukraine’s banking resources are also analysed. An assessment of the dynamics and structure of revenues and expenses of the banking segment of the Ukrainian economy was made. The main financial results of the banking sector of the national economy are determined. As main financial results were chosen net profit, net loss and profitability of assets. The main trends in the development of the banking sector of Ukraine in the period 2018–2022 are outlined, such as: reduction in the number of banking institutions, in particular banks with foreign capital, and the number of structural units; increased mistrust of banks; adaptation to working conditions during the war period; positive dynamics of the assets of Ukrainian banks; a slight decrease in the loan portfolio; the growth of non-performing loans, after a long decline; profitability of capital and assets indicates the restoration of the banking system; the tendency to increase the liabilities of banks and their obligations. In the conditions of martial law, the banking sector of Ukraine continues to work, restore the work of branches in the liberated regions of Ukraine and actively develop. It can be argued that the banking system as a whole has withstood the serious challenges of the modern stage: banks operate and lend while maintaining their liquidity.

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