Analysis of financial stability of the Bank

2018 ◽  
Author(s):  
Елена Герасимова ◽  
YElyena Gyerasimova
Keyword(s):  
Graduate Students ◽  
Commercial Bank ◽  
Management System ◽  
Financial Stability ◽  
Analysis And Evaluation ◽  
Financial Condition ◽  
Banking Activity ◽  
Wide Range ◽  
Independent Decision

The textbook is intended for students enrolled in the direction 38.03.04 "Finance and credit" master's degree. The textbook comprehensively describes the main aspects that characterize the financial condition of a modern commercial Bank and its stability. The application of methodological tools for analysis and evaluation of the most important components of banking activity (quality of management system, equity, assets, attracted resources, liquidity, profitability, risks) is considered. The practical part of the manual includes cases, examples of solving situational problems and tasks for independent decision, as well as self-training. The materials have been prepared in accordance with the relevant regulations and legal acts regulating banking activities (as of 01.06.2018). The book may also be of interest to specialists in the field of analysis of commercial and credit organizations, students and graduate students studying in economic specialties, a wide range of readers interested in the problems of analysis of economic entities.

ON THE ANALYSIS AND EVALUATION OF THE FINANCIAL ACTIVITIES OF AN ENTERPRISE IN THE TOKTOGUL REGION OF KYRGYZSTAN IN ACCORDANCE WITH INTERNATIONAL STANDARDS

2020 ◽  
Vol 2 (10) ◽  
pp. 77-79
Author(s):  
M. U. USUPOV ◽  
Keyword(s):  
Management System ◽  
Production Management ◽  
Organizational Structures ◽  
International Standards ◽  
Analysis And Evaluation ◽  
Financial Condition ◽  
Economic Entity ◽  
Production Management System ◽  
Provision Of Services

The article discusses the issues of improving the management of the financial condition of the economic entity, which change due to variable conditions of formation in organizational structures at the levels of levels, the production management system, the provision of services and the distribution of the company's profit. Such a management system can significantly affect the performance of the firm and accelerate the transition to international standards.

scholarly journals Metode Learning Management System (LMS) Idu Untuk Mendukung Kegiatan Belajar Mengajar MIT Pada Perguruan Tinggi Raharja

CICES ◽  
2016 ◽  
Vol 2 (2) ◽  
pp. 156-172
Author(s):  
Untung Rahardja ◽  
Qurotul Aini ◽  
Siti Ria Zuliana
Keyword(s):  
Graduate Students ◽  
Learning Process ◽  
Management System ◽  
Learning Management System ◽  
Learning Objectives ◽  
Survey Method ◽  
Sample Collection ◽  
The World ◽  
Learning Management

Currently the entire field has been supported by technology, especially the world of education in the learning process to determine the quality of a college graduate. In the world of education Perguruan Tinggi Raharja has implemented iLearning learning methods to achieve the learning objectives. Graduate students are given learning experiences using methods iLearning the learning process using the media Ten Pillar IT iLearning (TPi). But the learning process is not running properly and still undeniably versatile use paper as a method of learning in general, Therefore at this time to achieve the learning objectives very effectively implement methods Learning Management System (LMS) iDu which can be accessed online anytime and anywhere easily. The purpose of this study to determine measure the success of the learning process at MIT class that still use manual systems in the learning process . This study uses a quantitative approach with descriptive correlational survey method . Sample collection techniques in this study was based on the results of the student survey MIT classes . Data collector by using questionnaires and documentation . Results from the study showed that the better level the results of the learning process to use iDu’s system where students could complete the learning easily anywhere and anytime . In this journal Identified there are three (3) the problems faced and the solutions given are by utilizing campus Learning Management System (LSM) iDu. Do 8 (eight) literature review as a post-graduate study materials. And there were 13 (thirteen) advantages and 1 (one) shortcomings of this study. The implementation is done in the course MasteringInformation Technology (MIT). This study is expected to improve the quality of graduates from graduate students in Perguruan Tinggi Raharja.

scholarly journals Institutional formation of the market for debt settlement of consumers of financial services of credit institutions in Ukraine

2019 ◽  
pp. 123-131
Author(s):  
Myroslava Khutorna
Keyword(s):  
Financial Services ◽  
Financial Stability ◽  
Poor Quality ◽  
Bank Loans ◽  
Debt Management ◽  
Barriers To Entry ◽  
Institutional Formation ◽  
Wide Range ◽  
Credit Institutions

Purpose. The aim of the article is substantiation of the content of institutional measures, the implementation of which will improve the quality of assets of credit institutions of Ukraine. Methodology of research. The methodological basis of the research is formed on the basis of an institutional approach to substantiate the institutional preconditions for the functioning of the market for debt settlement of consumers of financial services of credit institutions; systematization to identify constraints and incentives for the effective use of various ways to solve the problem of non-performing bank loans; a statistical and analytical approach to quantify the level of quality of the current state of settlement of problem debt by different groups of banks in Ukraine; methods of scientific abstraction and logical generalization to describe the organizational and economic features of the formation of the market for debt settlement of consumers of financial services of different types of credit institutions of Ukraine. Findings. It is substantiated that ensuring the financial stability of credit institutions of Ukraine requires the development of a transparent market for debt settlement of consumers of financial services of credit institutions. The organizational-economic and institutional peculiarities of the formation of such a market are determined by detailing the following parameters: the legal basis of the activity of market participants; organizational form and institutional subordination of the debt management entities; administrative barriers to entry; the competitive conditions of activity of the entities for debt management and regulation of their relations with related parties; requirements for the personnel of debt management entities; the content of instruments to reduce the risks of their activities and to stimulate an increase in the volume of debt settlement of consumers of financial services of credit institutions; ways to organize debt sales; fiscal stimulus. It is proved that the most appropriate way to settle non-performing loans of state-owned banks is to involve the Deposit Guarantee Fund in this activity. This is explained by: the existence of an established mechanism for settlement of non-performing assets of liquidated banks; a well-functioning non-performing credit infrastructure that operates on the basis of transparency, uniformity of rules and public accountability; long experience of selling non-performing bank loans, including loans to related parties and corporate loans with poor quality or lack of collateral; a mechanism for independent economic investigations has been established; highly qualified specialists; no additional taxpayer spending. Originality. The institutional framework for the development of the debt management market for consumers of financial institutions of credit institutions has been improved, which, unlike the existing one, includes: substantiation of the organizational and legal framework of the activity of the debt management entity; identifying instruments for harmonizing the process of debt management from a wide range of stakeholders; disclosure of institutional and organizational features and institutional prerequisites for effective resolution of problematic debt of state-owned banks. This will help to improve the quality of consumer protection and their confidence in the monetary intermediation institution; will encourage credit institutions to improve the valuation of the market value of financial assets, including by enhancing liaison with credit bureaus. Practical value. The main provisions and conclusions of the conducted study are brought to the level of practical recommendations, take into account the current legislation and its prospective changes, and can be effectively used to solve the problems related to debt management of consumers of financial services of credit institutions in the domestic credit segment of the financial sector. Key words: credit institutions; state banks; non-performing loans; debt settlement market; debt settlement companies; institutional interaction of the entities of the debt settlement market; financial stability.

Problems of improving financial methods and models of sustainable development of the company

2018 ◽  
Author(s):  
Алексей Макаров ◽  
Alexey Makarov ◽  
Елена Рябова ◽  
Elena Ryabova ◽  
Ирина Хвостова ◽  
...  
Keyword(s):  
Sustainable Development ◽  
Graduate Students ◽  
Capital Structure ◽  
Management System ◽  
Theoretical Basis ◽  
Financial Analysis ◽  
Empirical Models ◽  
Financial Policy ◽  
Credit Management ◽  
Wide Range

The complex of questions of the theory, methodology and practice of formation of financial policy of firm in the conditions connected with ensuring its sustainable development is systematized. The interpretation of a number of concepts, the use of which as a theoretical basis allows to determine the composition of actual scientific and practical problems of improving the methods of financial analysis of sustainable development of the company. Generalization of the content of empirical models of analysis of sustainable development and efficiency of the company, as well as the results of their application in the analysis of factors of formation of financial policy of a modern company allow to formulate recommendations for improving the policy of payments to owners and capital structure in the management system of sustainable development of a modern company. The monograph is intended for a wide range of readers, including researchers, practitioners, graduate students, applicants and students enrolled in the areas of "Economics", "Finance and credit". «Management.»

scholarly journals Problems of qualitative evaluation of commercial bank loan

2020 ◽  
pp. 15-19
Author(s):  
Nadiia SOLOVEI ◽  
Ihor SKRYPNYCHENKO
Keyword(s):  
Commercial Bank ◽  
Financial Stability ◽  
Risk Index ◽  
Maximum Yield ◽  
Bank Loan ◽  
Credit Policy ◽  
Loan Portfolio ◽  
Banking Institutions ◽  
Credit Portfolio

The article defines the nature of the loan portfolio, as well as the problems in the assessment and analysis of the commercial bank loan portfolio. In order to improve the existing credit portfolio of the bank, the dynamics, categories of the borrower ratio and the quality of the loan portfolio are analyzed, based on the obtained data, significant factors influencing the formation and management of the analyzed bank's loan portfolio are determined. Generation of a loan portfolio is usually subject to issuance of loans with maximum yield on the same terms. The profitability of a loan transaction is determined by the amount of the interest rate on the specific loan, the duration of the loan and the accepted system of calculation of interest payments. Practice shows that the success of managing the efficiency of banking investments and the formation of an effective structure of the bank's credit portfolio depend to a large extent on the skills of managing the banking institutions that carry out optimal formation, management of the credit portfolio and good management to ensure the efficiency of activities with the least possible risk and maximize results. The quality of the loan portfolio is analyzed using the coefficient method based on the calculation and analysis of trends in the development of relevant quantitative indicators. In the economic literature, the indicators that we can use to assess the quality of a bank's loan portfolio are divided into two groups: the credit portfolio risk index and the profitability of the credit business. The results of the analysis allow us to draw conclusions about the level of risk and profitability of the bank's loan portfolio and to develop measures to improve the effectiveness of the bank's credit policy. Based on the analysis of the structure and quality of the loan portfolio, the Bank's management is given an opinion to consider in order to determine the priority instructions for the placement of credit resources, limit the concentration and diversification of the loan portfolio and set limits on the execution of individual loans. It is concluded that prudent credit policy with an increase in rates, constant monitoring of the components of the credit portfolio, urgent management measures of banking institutions in the field of risk management should lead to an increase in lending and improve the quality of the portfolio management system. It is noted that the implementation of mainly quality measures to improve the structure of the loan portfolio will inevitably affect the financial stability of the bank and business efficiency, as well as increase its competitiveness and operational security.

scholarly journals PROVIDING OF FINANCIAL STABILITY OF ENTERPRISES OF PASTRY INDUSTRY

2021 ◽  
pp. 62-69
Author(s):  
Volodimir Mishchenko ◽  
Sergii Mekhovych ◽  
Irina Gorobets
Keyword(s):  
Financial Stability ◽  
Capital Investment ◽  
Financial Condition ◽  
Confectionery Products ◽  
European Standards ◽  
The Government ◽  
Quality Of Products ◽  
The Stability ◽  
The Cost

The article identifies the main trends characteristic of the modern confectionery market of Ukraine. The reasons for the slowdown in production growth, the gradual increase in prices for all types of confectionery, changes in the structure of demand for products are considered. Exports of confectionery products require Ukrainian producers to expand their own range, as well as to bring the quality of products to European standards. The recent trend characterizes the increase in demand in the domestic market for complex (combined) confectionery, so the main prerequisite for the development of the industry is to improve production, which requires significant capital investment. The paper analyzes the dynamics of the main indicators of the sample of confectionery enterprises in order to assess the stability of their financial condition. For providing of steady development of industry the Government program, is needed built on balanced to demand with application of state-private partnership. In the conditions of COVID epidemic with the aim of prevention of possible bankruptcy it is expedient to inculcate the cost-oriented management and preventive anti-crisis dynamic management. For their introduction it is necessary to work out branch purposeful events on in-plant training of workers of pastry industry.

CURRENT ASSETS PLANNING AS AN INDICATOR OF FINANCIAL COMPETITIVENESS OF TRADE ENTERPRISE

2017 ◽  
Author(s):  
Hanna Blakyta ◽  
Keyword(s):  
Financial Stability ◽  
Modern Method ◽  
Main Element ◽  
Integrated Method ◽  
Financial Condition ◽  
Wide Range ◽  
Close Relationship ◽  
Projected Changes ◽  
The Relationship ◽  
Financial Competitiveness

The article substantiates the features of current assets of trade enterprises. It is determined that the main source of development and efficiency of trade enterprises is the ability to optimize the process of selling goods, which has a close relationship with current assets. The modern method of calculating the planned volume and structure of current assets is characterized, which is based on the application of the method of coefficients, which allows the use of a correction factor that shows the projected changes in the functioning of current assets. In addition to calculating the planned indicator of current assets using the method of coefficients, it is proposed to determine the planned indicators of current assets of the enterprise in terms of their types, which will provide a more extensive analysis of the effectiveness of current assets management. It is determined that the current assets of the enterprise affect a wide range of indicators and characteristics of the enterprise, in particular on liquidity, solvency, financial stability and so on. In the conditions of intensive emergence of all new crisis phenomena in the country's economy, which causes the deterioration of the financial condition of domestic enterprises, the driving force of development of such enterprises and maintenance of their financial capacity was identified. Since current assets are the main element of resource provision of current activities, as well as taking into account their role in calculating the main indicators that characterize both the operational and financial performance of the enterprise, the relationship between planning current assets of the enterprise and the level of financial competitiveness. An integrated method of assessing financial competitiveness, based on the use of a number of coefficients based on current assets, is substantiated.

scholarly journals Risk management in a commercial bank

2020 ◽  
pp. 75-82
Author(s):  
S. V. Solonina ◽  
A. A. Labov
Keyword(s):  
Risk Management ◽  
Commercial Bank ◽  
Commercial Banks ◽  
Management System ◽  
Financial Stability ◽  
Management Strategies ◽  
Banking System ◽  
Point Of View ◽  
Capital Adequacy ◽  
Credit Institutions

The study presents the problems of risk management of a commercial Bank as the most important element in the overall banking management system. The relevance of the study is due to the current economic and political situation in the country, as well as the instability of market conditions, which significantly complicated the risk management system in commercial banks, which contributed to the deterioration of their financial condition. The processes taking place in the global financial market in recent years have a significant impact on the banking system, significantly increasing Bank risks and reducing the financial stability of credit institutions. Differences are highlighted that reflect the priority aspects in assessing the risk management of a commercial Bank from the authors ‘ point of view. Risk management strategies in credit institutions are considered. A comparative analysis of the methodologies used to assess the risks and capital adequacy of commercial banks in Russia and abroad has been carried out, and features of their use have been identified.

scholarly journals Investment attractiveness in the system of management and business reputation of agricultural enterprises

2021 ◽  
pp. 125-138
Author(s):  
O. Shust ◽  
Yu. Grinchuk ◽  
I. Paska ◽  
K. Tkachenko
Keyword(s):  
Management System ◽  
Financial Stability ◽  
Business Processes ◽  
General Characteristic ◽  
Added Value ◽  
Reputation Management ◽  
Agricultural Enterprises ◽  
Agricultural Enterprise ◽  
The Impact

The article considers the issue of increasing the investment attractiveness of agricultural enterprises in terms of the effectiveness of their management system and business reputation. It is proved that in the conditions of digital transformation of the economy, as well as the manifestation of crisis phenomena, in particular, the Covid-19 pandemic, certain adjustments are made in business processes, which requires agricultural enterprises to improve the quality of management and management system in general. It is established that the effectiveness and quality of management are indicators of the level of development of the management system, which characterize the potential and actual levels of potential of the management system of any business entity. It is substantiated that the business reputation of an agricultural enterprise in terms of digitalization is a decisive factor in increasing the investment attractiveness of the organization, and the quality of the management system is characterized by the degree of development of senior managers and professionalism of employees who contribute to achieving business reputation. The components of the formation of external and internal business reputation of the enterprise, which determine the added value, are systematized in the form of a reputational premium that its owner can receive when selling his organization on the market. The definition of investment attractiveness of an agricultural enterprise as a general characteristic that reflects the efficiency and reliability of investing in the development of the enterprise includes the state, innovation and efficiency of its assets, their liquidity, solvency and financial stability, as well as strategic prospects for the industry. It is proved that the quality of the management system of the enterprise affects the business reputation of the enterprise, the awareness of investors about the profitability of the business, the profitability of shares, which contributes to the intensification of investment activities. The system of a balanced system of indicators has been adapted to assess the impact of business reputation on the investment attractiveness of an agricultural enterprise. It is substantiated that in order to protect investments, the shareholder exercises managerial influence on the enterprise, increasing investment attractiveness is formed by the investment management subsystem and the dividend management subsystem. Key words: investment attractiveness, business reputation, management system, agricultural enterprise.

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