Uman NUH | today: 10/18/2024
| Author(s) |
Бондаренко Н. В., , , Ulyanych Y.V., Candidate of Economics, , Uman National University of Horticulture, Ukraine Melnyk К. М., , , Мігур І. О., , , |
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| Category | Economics | ||
| year | 2024 | issue | Issue number 104. Part 2 |
| pages | 150-159 | index UDK | 336.717 | DOI | 10.32782/2415-8240-2024-104-2-150-159 (Link) |
| Abstract | In the context of constant financial fluctuations and potential crises, crisis management has become an important aspect of the activities of banks, focusing on the prevention and overcoming of crisis situations. This process includes strategic planning, monitoring financial risk, and effective management of capital adequacy ratios. To ensure financial stability, it is necessary to improve the strategy and continuously analyze changes in the external environment. The capital adequacy ratio is judged to play an important role in ensuring financial stability of banks. They determine level of financial security and ability of banks to manage risks. Therefore, continuous monitoring and management of these standards is the key to ensuring financial security. Overall, crisis management and compliance with capital adequacy ratios are key factors to ensure stability and reliability of banking system. Its effective implementation will help prevent crises and ensure stability of financial institutions. The analysis of interest rates and their impact on the financial security of banks is an important aspect of financial risk management. A rise in interest rates can not only increase banks' lending income, but also increase their financing costs, which affects profitability. Changes in interest rates also increase credit risk, affect the ability of customer to repay the loan. In addition, they affect the value of bank's investment assets, which can affect profitability and capital. At the same time, dynamics of interest rates determine the financial stability of banks. Crisis management becomes especially important during military conflicts where the stability of the financial system is at risk. In this situation, the bank should develop a professional strategy, taking into account the possible military risks and ways to prevent them. Adaptation to changes in the military environment, including the evacuation of personnel and important assets, will be an important component of crisis management. In addition, the level of protection of bank information and physical facilities must be increased to prevent terrorist attacks and cyber threats that may arise in military conflicts. Interaction with the National Bank and other authorities to develop and implement effective crisis management strategies is especially important. | ||
| Key words | anti-crisis management, financial security, bank, crisis situations, capital regulations | ||