INFLUENCE OF DESTRUCTIVE FACTORS OF THE EXTERNAL ENVIRONMENT ON THE VOLUME OF INVOLVED RESOURCES OF THE BANKING SYSTEM OF UKRAINE

Abstract

The need for regular monitoring of banking stability indicators for the timely detection of negative external factors that significantly increase the risks of banking activity is considered. It has been proven that the sufficient amount of resources is an indicator of bank stability. It was determined that deposit resources are the main resources of the banking system of Ukraine. It has been studied that a financially stable banking system is the basis for the development of other types of economic activity, since it is through banks that the country's cash flows are redistributed, thanks to which savings are transformed into investments. It has been proven that the main source of bank resources is precisely the borrowed funds, the share of which on average is 80% of the total amount of resources, and the rest is accounted for by own capital and a small share - borrowed funds. The theoretical approaches to the definition of the concept of "raised resources" are revealed. It is proved that the collection of temporarily free funds of individuals and legal entities raised by the bank in the form of time deposits and demand deposits can be attributed to raised resources. It is considered that the involved resources are used by the bank to carry out credit, investment and other active operations. It has been proven that the deposit resources are the basis of the banking system, because it is through the accumulation of borrowed funds that banks can finance their active operations. The dynamics of the amount of funds of individuals and legal entities placed in banks of Ukraine and, accordingly, deposits of individuals in banks of Ukraine were studied and analyzed. It has been proven that the volumes of deposits both in hryvnia and in foreign currency grow from year to year (especially this applies to growth in the national currency). It was determined that the growth of the population's funds in banks is almost entirely due to the increase in the balances in the accounts of the military and recipients of social benefits. It has been proven that time deposits are considered stable resources for the banking system among the funds involved. The rate of growth of deposits of individuals in recent years has been analyzed. It was determined that deposits in the national currency grew at a faster rate.