Перегляд за Автор "Volkova, Nelia"
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- ДокументCONCEPTUAL AND METHODOLOGICAL APPROACHES TO IMPROVING THE ASSESSMENT OF FINANCIAL STABILITY OF BANKS UNDER ECONOMIC INSTABILITY(2018) Volkova, Valeriia; Volkova, Nelia
- ДокументEstimating credit risks impact on economic security of a bank(2017) Volkova, Nelia; Volkova, Valeria; Khudolii, YuliiaThis article focuses on a number of issues concerning bank risks estimation. First, it defines the main purpose of risk management in banking. Also, it characterizes contemporary approaches to defining the essence of economic security of a bank, as well as highlighting the internal and external factors affecting it. In addition, we introduce risk structure of Ukrainian banks and investigate the dynamics of their loan portfolio. We determine the amount of arrears in client loan portfolio of Ukrainian banks, to justify their level of income and expenses. Together with analysing the credit risk of PJSC CB “PrivatBank” and proposing risk reduction measures in Ukrainian banking system.
- ДокументImproving Bank Capitalization in Terms of Increasing the Competitiveness of the Banking System(2019) Volkova, Nelia; Volkova, Valeriia
- ДокументImproving Bank Transparency in Assessing Financial Stability of Ukraine’s Banking System(2018) Ptashchenko, Liana; Volkova, Nelia; Volkova, ValeriiaThe paper focuses on solving the problem of banks transparency in assessing financial stability of Ukraine’s banking system under economic instability. The financial crisis in the country calls for developing a methodology supply for assessing financial stability of both individual banks and the banking system as a whole. We believe that the methodical tool for studying the financial activity of a banking institution should provide a bank with the opportunity for a long-term development rather than for the coming years. This is a priority task of a bank because under unstable economic development the reliability of a bank decreases as well as its competitiveness and adaptability to the internal and external destabilizing factors. The topicality of the issue is determined by the fact that increasing financial sustainability is one of the important measures, the quality of which predetermines banks’ financial results. Presented are results of the statistics study which characterize the development of the modern banking system. It is ascertained that within asymmetry of information the transparency level is critical in assessing financial stability of banks which is still given poor consideration in our country. The authors believe that the use of the suggested tool for determining banks’ transparency level in bank’s operation will help impartially assess its transparency level, will promote the development of channels of information disclosure to external users. It is rationalized that effective banking activity in Ukraine can ensure the recovery of the financial sector and restore the growth rates of the real sector of the country’s economy. The authors’ concept of increasing banks’ transparency in assessing financial stability of the Ukrainian banking system proves that it is the basic condition for maintaining bank’s favorable potential and effective performance. For the first time systematized are the characteristic features of transparency when analysing the transparency of the banking system as a whole. Distinguished is the expediency of using a certain set of tools and information disclosure channels in implementing the mechanism of transparency at different levels of the banking system. A conclusion is made that it is necessary to increase the transparency of banks in assessing the financial stability of the banking system of Ukraine, namely: ensuring information transparency of the bank will help to increase the confidence of market participants and provide an opportunity for the bank to expand its resource base, increase income and profits.
- ДокументMORTGAGE LOAN: ASSESSMENT OF THE CURRENT SITUATION AND IMPACT ON THE SOLUTION OF HOUSING PROBLEMS(Полтава: Науковий вісник Національного університету «Полтавська політехніка імені Юрія Кондратюка», 2020) Volkova, Nelia; Khamula, KaterynaThe development of the mortgage market solves both the economic problems of activation and efficient use of financial resources, and social problems in attracting social groups to meet their needs through the mechanism of the financial market. This determines the pattern of development of ways to ensure and develop these processes in Ukraine, their theoretical justification, taking into account the peculiarities of the national economy and current global trends in the development of housing mortgage lending. The purpose of the work is to develop theoretical principles, guidelines and practical recommendations for improving the mortgage lending system in Ukraine. To achieve this goal, the following tasks were set: to summarize the theoretical provisions on the essence of mortgage lending; to analyze the current state of mortgage lending in Ukraine; identify conceptual approaches to enhancing the importance of mortgage credit in solving housing problems. The object of study is the process of assessing mortgage lending. The subject of the research is theoretical-methodical and practical aspects of mortgage lending in Ukraine and its impact on solving housing problems of the population. The paper summarizes the theoretical provisions on the essence of mortgage lending as an effective means of transforming capital tied to real estate; thanks to the analysis of the current state of mortgage lending in Ukraine it is proved that it is one of the most mobile segments of the financial market and today real estate lending has intensified and started to grow, but significant mortgage lending as before the crisis, unfortunately, has not yet been achieved; conceptual approaches to strengthening the importance of mortgage credit in solving housing problems, which are to improve the mortgage lending system in Ukraine. The information base of the study consisted of official materials of the National Bank of Ukraine, performance indicators of JSC "State Savings Bank of Ukraine", JSC CB "Globus", PJSC JSCB "Arcade", JSB "Ukrgasbank", materials of scientific conferences, Internet sources. The scientific novelty of this work is to substantiate the theoretical, legal provisions and provide practical recommendations for improving the mortgage lending system in Ukraine.
- ДокументБанківська система(Вінниця: ДонНУ імені Василя Стуса, 2025) Волкова, В. В.; Волкова, Н. І.; Volkova, Valeriia; Volkova, NeliaНавчальний посібник розроблено з метою формування теоретичних знань та набуття практичних навичок з дисципліни «Банківська система». Розкрито концептуальні основи побудови банківської системи України та закордонних країн; обґрунтовано діяльність комерційних банків, висвітлено питання формування та розміщення банківських ресурсів; наведено механізм фінансового моніторингу та забезпечення фінансової безпеки банків. Ця розробка за структурою включає: зміст курсу, завдання для поточного контролю знань здобувачів, основні терміни, лекційний матеріал, методичні вказівки за темами курсу, питання для самоперевірки, тестові завдання, загальні вказівки щодо виконання самостійної роботи з тем, перелік літературних джерел. Навчальний посібник призначається здобувачам вищої освіти освітнього ступеня «Бакалавр» спеціальності 072 Фінанси, банківська справа, страхування та фондовий ринок (D2 Фінанси, банківська справа, страхування та фондовий ринок). The textbook is designed to form theoretical knowledge and acquire practical skills in the discipline "Banking System". The conceptual foundations of the banking system of Ukraine and foreign countries are revealed; the activities of commercial banks are substantiated, the issues of formation and allocation of banking resources are highlighted; the mechanism of financial monitoring and ensuring the financial security of banks is given. This development in terms of structure includes: course content, tasks for current control of applicants' knowledge, basic terms, lecture material, methodological instructions on course topics, questions for self-testing, test tasks, general instructions for performing independent work on topics, a list of literary sources. The textbook is intended for applicants for higher education with the educational degree "Bachelor" in the specialty 072 Finance, Banking, Insurance and Stock Market (D2 Finance, Banking, Insurance and Stock Market).
- ДокументКонкурентна стратегія банку: факторна обумовленість та шляхи адаптації до ринкових змін(Миколаїв: Миколаївський національний аграрний університет, 2025) Волкова, Н. І.; Янішевский, Б.С.; Volkova, Nelia; Yanishevskyi, BohdanУ статті досліджено чинники, що впливають на формування конкурентної стратегії банку в умовах мінливого макроекономічного середовища. Проаналізовано вплив основних макроекономічних показників – таких як ВВП, рівень інфляції, облікова ставка НБУ, валютний курс та рівень безробіття – на прибутковість банківського сектору України у 2015-2024 роках. Встановлено кореляційні зв’язки між зовнішніми змінами та рентабельністю банків, що дозволило визначити періоди стабільності й підвищеної чутливості фінансових установ. За допомогою розрахунку інтегрального макроіндексу оцінено загальний рівень сприятливості зовнішнього середовища для функціонування банків. Досліджено рівень ринкової концентрації банківських активів і визначено вплив державних банків на структуру ринку загалом. Отримані результати можуть бути використані банками для підвищення ефективності управління та забезпечення довгострокових конкурентних переваг в умовах економічної нестабільності й зростаючої конкуренції.