id: 33707
Title: Business activity and financial results of the activities of banking institutions
Authors: Aleskerova Y., Fedoryshyna L.
Keywords: Privatbank, business activity of the bank, financial results of the bank, work efficiency, banking institution
Date of publication: 2023-08-18 08:49:58
Last changes: 2023-08-18 08:49:58
Year of publication: 2023
Summary: This article presents the theoretical and practical problems of managing the bank’s business activity and financial results. It is grounded that the management of business activity is a very responsible and complex process, in which the professionalism of management personnel plays the main role. Only clear and competent decisions made on the basis of economic analysis can give a result that will increase the efficiency of the enterprise. The study of business activity is based on the calculation of coefficients that more correctly reflect its state from a financial point of view, coefficients of the dynamics of the development, use of the resources and capital, receivables and payables, including labor resources. It has been proven that for the activity of a modern banking institution, the analysis of the financial results of its activity is quite significant. In particular, financial analysis of banks` activities is important for clients. After all, clients are more willing to trust their own investments only to competitive and financially stable banking institutions of the state. The example of the liquidation and bankruptcy of a large number of banking institutions in Ukraine and subsequent problems with the return of deposits to their depositors attracts the attention of an increasing number of the ordinary citizens to the analysis of the bank`s financial results. Earning a profit plays an important role in the activity of a banking institution. Obtaining profit by the bank allows to obtain the maximum information for determining the financial stability of the bank. In the future, this assessment will provide an opportunity to draw conclusions about the development prospects and financial situation of the bank both for its customers, creditors, depositors, and for the NBU, which constantly supervises the activities of banking organizations. Practical aspects of the subject under study are presented on the example of JSC CB «Privatbank». It was analyzed that JSC CB «Privatbank» is actively developing: there is an increase in assets for the period 2019-2021 and the main indicator of the bank’s activity efficiency – profit. Analyzing the main indicators of business activity and profitability of JSC CB «PrivatBank», it is worth noting that in 2019-2021, all indicators corresponded to the recommended values, however, in 2020, indicators of profitability of assets, profitability of capital and net interest margin decreased significantly.
URI: http://repository.vsau.vin.ua/repository/getfile.php/33707.pdf
Publication type: Статті у наукових фахових виданнях України (Copernicus та інші)
Publication: Економіка, фінанси, менеджмент: актуальні питання науки і практики. 2023. № 1 (63). С. 98-108. DOI: 10.37128/2411-4413-2023-1-8
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