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In market conditions, banking institutions occupy one of the leading positions in ensuring economic growth. Proper development of the domestic economy is impossible from the proper functioning of the banking system, providing a range of specific services that would satisfy the needs of the client (consumer). This article discusses certain features of banking services. In the system of development of the modern banking services market, despite the already existing positive experience in the implementation of actions to provide banking services, there are still difficulties that negatively affect legal relations in this area. The main problem is that there is no legal definition of the concept of “service” and its characteristics. An analysis of the current legislation regulating legal relations in the provision of banking services was carried out. The Law of Ukraine “On Banks and Banking Activities” defines what “banking activities” and types of banking services are, but the very concept of “banking services” and its characteristics are absent. It is determined that banking services have common characteristics of services as objects of civil law, and attention is also drawn to the fact that banking services are characterized by certain features. The importance of a clear understanding of the “banking service” and its features is important for the reason that their absence leads to the fact that entities engaged in banking activities are interpreted differently. The article examines the issue that when concluding certain types of agreements on the provision of banking services, in particular a loan agreement, the banking institution is the creditor and at the same time the performer of the banking service, and the debtor is, accordingly, the customer of this type of service. In general, the theoretical research conducted is aimed at increasing the clarity of understanding of the basic categories in the field of banking. [ABSTRACT FROM AUTHOR]

Copyright of Journal of Anbar University for Law & Political Sciences is the property of Republic of Iraq Ministry of Higher Education & Scientific Research (MOHESR) and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

The article highlights issues related to the innovative activities of banking organizations from the point of view of developing and providing banking products and services. The need for objective research on the selection and classification of new banking products and services, which are brought to the market as objects of marketing activities of credit institutions, has been proven, since their properties are not the same. The conducted economic and theoretical analysis showed that despite the fact that banking services and products have a set of similar characteristics, they also have their own unique characteristics. The authors proposed an approach to identify classification features inherent in new banking products and services, which is key to the competent development of the bank’s marketing activities. It is proposed to define the concept of "new banking products" from the point of view of innovative marketing activities of the bank based on the degree of their novelty, which allows to supplement the existing classifications with new features in order to develop a clearer chosen marketing strategy. It was determined that depending on the degree of novelty of the product, innovative processes in the bank can be classified as differential or diversified. This distribution also allows focusing attention on the formation of the bank’s marketing strategy. When classifying banking products, it is recommended to provide detailed information about the target group of customers who use new banking products and consider the stage of the life cycle of banking products from the perspective of innovation. When classifying new banking products by life cycle stage, it is useful to consider the following stages: development of products and services; implementation of pilot projects or testing of new banking products; assessment of sales dynamics; maturity of new banking products; decrease in sales of new banking products. This approach makes it possible to take into account the specifics of the work of credit organizations and the interests of various groups of potential consumers in the process of introducing banking products and services.

The sustainability of a financial institution both in Ukraine and in the world in the context of rapid development of technologies requires a significant rethinking and transformation of management approaches. In accordance with this, it is necessary to improve the instruments for researching and forecasting the associated processes. It makes sense to consider inter-sectoral approaches that are used in the paradigm of neo-institutional economics, taking into account the main trends in the knowledge economy of our time. It is necessary to draw attention to the matter that the current state of the economy of any country requires solving a number of topical issues related to attracting domestic and foreign investment, minimizing the outflow of domestic capital abroad, increasing the level of material production and achieving stable economic development. Such a decision is impossible without a financially sustainable banking sector. The financial condition of each individual bank and its ability to withstand negative factors lead to the successful functioning of the banking system as a whole. It should be noted that the dynamics of institutional sustainability of a banking institution is influenced by other types of sustainability. Taking into account the analyzed array of information, we can operate with the concept of «financial depository institution» in relation to banks and consider their sustainability as institutional sustainability, and its reflection in the media field as «virtualized institutional sustainability of the bank». This requires a comprehensive assessment in all areas related to the work of the bank as an independent institution in the system of institutional relations. Such an approach does not require significant costs for understanding the resilience and forecasting of crises and is called the analysis of the «virtualized institutional sustainability of the bank», which is particularized on the example of the bank JSC «Universal Bank» using the method of Media Research.

This study evaluates the employer’s satisfaction with the banking institutions in Pagadian City. Employers’ satisfaction will be based on how the graduates show their performance towards their jobs or tasks. Employers evaluate the skills of the graduates that need to be improved in their daily tasks. This study uses the quantitative-descriptive study approach to analyze information about describing the employer’s satisfaction with the graduates. The study’s primary purpose is to find out how satisfied employers are with the performances of the graduates as well as what is needed to improve. It focuses on the employers of the banking institutions as research participants. The findings of the study are as follows: (1) foundation skills, (2) enterprise skills, (3) technical skills and knowledge, (4) adaptive skills, (5) team-working skills, and (6) employability skills where these are used in getting the satisfaction of the employers to the graduates where it garnered an overall weighted mean of 3.34 and a standard deviation of 0.01 with an interpretation of ‘very high’. The results showed that the employers of the banking institution where the graduates are employed are very satisfied with the performance that the graduates showed to them. In addition, the employers highlighted some skills that need to be developed and improved more to become efficient and effective employees. The results of this study can be used as a basis for the development of the graduates to enhance their performance in the future.

Banking institutions around the world are facing a serious problem with nonperforming loans (NPLs), which can jeopardize their financial stability and hinder their ability to issue new loans. The issue of NPLs has been linked to corruption, which has emerged as one of the contributing factors. Given the scarcity of research on the use of machine learning (ML) techniques to examine the relationship between corruption and NPLs, this paper provides an empirical evaluation of various ML algorithms for predicting NPLs. Besides ML performance comparisons, this paper presents the analysis of ML features importance to justify the effect of corruption factor in the different ML algorithms for predicting NPLs. The results indicated that most of the tested ML algorithms present good ability in the prediction models at accuracy percentages above 70% but corruption index has contributed very minimal effect to the ML performances. The most outperformed ML algorithm in the different proposed settings is random forest. The framework of this research is highly reproducible to be extended with a more in-depth analysis, particularly on problems of NPL as well as on the ML algorithms. [ABSTRACT FROM AUTHOR]

The article is devoted to the study of the theoretical foundations of financial policy and its features at different levels of the financial system. The gaps in scientific research in financial policy analysis are outlined (there is no unambiguous interpretation of the concept of financial policy and its components; there are problems in structuring financial policy due to its incomplete classification and lack of orderliness). The need for the study of financial policy is identified because of its importance at the micro and macro levels of the economy. The terminological analysis of the concept of financial policy was carried out, the conclusion of which was the assertion that this concept is multidirectional, with attention focused on two directions of interpretation of financial policy – the financial policy of the state and the financial policy of the enterprise. The own interpretation of the concept of financial policy as a system is proposed. The choice of a systematic approach to defining the essence of financial policy is substantiated. The approaches of scientists to the structuring of financial policy are investigated. The common classification features of the financial policy of the state and the economic entity (by components, validity period, and tasks) are singled out. New classification features of the financial policy of the economic entity are proposed in view of the relationship with the concept of the financial policy of the state (according to the sources of formation, the way of interaction with the state, and directions of implementation). The classification of the financial policy of the economic entity (according to the types of activity and form of ownership) is separately supplemented. Approaches to the interpretation of the essence of a banking institution are determined. Based on the study, the interpretation of the concept of «financial policy of a banking institution» is proposed.

Bank crediting plays a leading role in the national economy development. Crediting to households is currently one of the most important areas of the activity of banking institutions, which allows generating significant amounts of income by providing loans and selling related financial services to these economic entities. However, the field of credit services is currently being transformed in accordance with new challenges and trends. The main ones are primarily related to the process of digitalization of the activities credit institution, their use of the potential of information and communication technologies to improve the quality of customer services, increase the efficiency of business processes in the banking and non-banking financial institutions. The active use of modern information and communication technologies in the field of bank crediting allowed commercial banks to change the main approaches to customer service, expand sales channels for credit products, and increase the transparency of credit operations. Within the article, the essence of the system of bank crediting to households is considered, the directions of this system functioning in the context of the formation of the digital economy are defined. This was implemented by considering the essence of such definition as "bank crediting to households", "bank crediting to the population", which made it possible to specify the content of the category "bank crediting to households". It is found out that most scientists consider bank crediting to households as a process, a set of actions that arise as a result of the interaction between borrowers and lenders. However, for a more detailed understanding of this interaction, it was proposed to consider this type of crediting based on the use of the systematic approach, that us, as an integral system. The analysis of the essence of such a system allowed us to distinguish two approaches to the consideration of its content, namely: consideration of the microsystem and, accordingly, the macro-system of bank crediting to households. Within the article, considerable attention is paid to the development of the bank crediting system to households at all levels in the context of the digitalization of the financial services sector. As a result, the main directions of the transformations that are currently taking place in the credit activities of the banking institutions due to their use of the information and communication technologies in their work were identified. [ABSTRACT FROM AUTHOR]

The period of the pandemic has shown that, in times of crisis generated by tensions and shortages, flexibility in decision-making and how to manage resources, It has had the consequence of counteracting the dysfunctions in terms of banks’ policies in relations with clients and partners. At the same time, it has increased the effectiveness of bank management efforts in achieving the preestablished objectives. Of the other part, The very uncertain economic context generated by Russia’s war against Ukraine and the risk of regional spillovers could affect the financial institutions in the euro area and especially those in Romania. The exclusion of a part of the russian banks in SWIFT and the financial sanctions imposed on the Russian Federation have It has forced banks to be more restrictive in terms of openness to customers who operate with Russia. The scientific research makes an analysis and a comparison of the financial indicators for the banking sector in Romania in the light of the major events that have taken place lately.

The main purpose of the article is to form a model for improving the efficiency of the system for ensuring the economic security of a banking institution. The object of the study is the system for ensuring the economic security of a banking institution. The importance of finding ways to improve the efficiency of the system for ensuring the economic security of a banking institution is proven. The methodology of the article provides for the use of a modern graphical-functional modelling method that allows the achievement of the goals set by forming a model for improving the efficiency of the system for ensuring the economic security of a banking institution. As a result, a model was obtained to improve the efficiency of the system for ensuring the economic security of a banking institution. The main stages of modelling an increase in the efficiency of the system for ensuring the economic security of a banking institution are characterized. Thus, the proposed methodological approach to improving the efficiency of the system for ensuring the economic security of a banking institution can be considered an element of scientific novelty. The results obtained, described in the article, have limitations in the form of taking into account only the specifics of the activities of a banking institution, however, further research will include expanding the range of modelling. Further research should be devoted to the analysis of international experience in the public administration of financial and economic security in modern conditions. [ABSTRACT FROM AUTHOR]

The main purpose of the article is to form a model for improving the efficiency of the system for ensuring the economic security of a banking institution. The object of the study is the system for ensuring the economic security of a banking institution. The importance of finding ways to improve the efficiency of the system for ensuring the economic security of a banking institution is proven. The methodology of the article provides for the use of a modern graphical-functional modelling method that allows the achievement of the goals set by forming a model for improving the efficiency of the system for ensuring the economic security of a banking institution. As a result, a model was obtained to improve the efficiency of the system for ensuring the economic security of a banking institution. The main stages of modelling an increase in the efficiency of the system for ensuring the economic security of a banking institution are characterized. Thus, the proposed methodological approach to improving the efficiency of the system for ensuring the economic security of a banking institution can be considered an element of scientific novelty. The results obtained, described in the article, have limitations in the form of taking into account only the specifics of the activities of a banking institution, however, further research will include expanding the range of modelling. Further research should be devoted to the analysis of international experience in the public administration of financial and economic security in modern conditions.

Copyright of CienciAmérica is the property of Revista Cienciamerica and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Banking business in today's realities is one of the most dynamic effectively progressing spheres of the economy. In current conditions, a situation has developed in Ukraine in which the main activity of the bank, which can really provide a profit, is credit activity. However, the implementation of this activity is accompanied by significant risks. This, in turn, determines the importance of the formation of effective decision-making systems in banking institutions regarding the loans issuance to economic entities. The outlined causes the need to conduct new scientific research directed to the efficiency increase of the credit activity of banking institutions, ensuring the quality of credit management. Within the article, the essence of the "bank credit management" category is substantiated, which is carried out based on the approaches analysis to considering this definition formed in the scientific literature, the study of the content of such categories as "credit" and "management". As a result, the author's understanding of the content of the bank's credit management is proposed, namely: bank credit management -- a separate component of bank management, a complex system of methods, tools, rules and norms used by employees to carry out credit activities by a banking institution based on the established basic principles of its implementation, and ensure financial stability of the bank, rational use of available financial resources and receiving profit. Within the article, basic substantive characteristics of the specified category are singled out, the features of the credit management formation by various economic entities, including enterprises, which do not provide financial services, are analyzed. The results of the analysis of the conducted research made it possible to determine and describe the role of the bank's credit management in the development of the banking activity, establish that this activity is leading from the point of view the formation of income and profit of these institutions in Ukraine. [ABSTRACT FROM AUTHOR]

The purpose of the study is to analyze the methods of assessing the creditworthiness of the natural person borrower in terms of feasibility of its applying in various types of lending, as well as to provide the recommendations on the most effective method of implementing such an assessment in banking institutions practice. Both general scientific and special methods of scientific knowledge have become the methodological basis of the article. In the process of writing the article the following methods were used: dialectical, economic comparisons and generalizations, grouping, graphical, system-structural analysis and synthesis. Results of work. In the article the modern methods of assessing the creditworthiness of the natural person borrower used by banking institutions in their practice are thoroughly investigated. The advantages and disadvantages of using each of them and the feasibility of applying different methods in providing various types of loans are substantiated. It is determined that the most promising method of assessing the creditworthiness of the natural person borrower is credit scoring. The implementation of these recommendations will lead to the improvement and acceleration in providing the quality banking services for the client, as well as to the successful operation of the banking institution. Conclusions. The financial condition of the bank as a whole depends on the quality of assessing the creditworthiness of borrowers. Most often, the examination of the creditworthiness of individual borrowers is carried out on a point system for assessing the clients’ reliability. Based on the analysis of qualitative and quantitative indicators, the bank makes a conclusion about the reliability of a potential borrower and gives the assessment to the creditworthiness of the borrower. In considering the financial situation and economic condition of a potential borrower all the details are important, otherwise the bank may be at risk and suffer great losses. At the same time, the complexity of assessing the creditworthiness of the borrower makes financial institutions to apply the different approaches to evaluation methods. Careful clients’ selection based on the assessment of the borrower's creditworthiness allows the bank to minimize its credit resources loss.

The complexity and versatility of the managing for bank's activity requires a balance of assets and liabilities, which are interrelated, and necessitates the formation of the financial mechanism for their management. The purpose of the article is to expansion definitional characteristics of the concepts “asset and liability management of banking institutions” and “financial mechanism for managing the assets and liabilities of commercial banks”, to form a structure of the financial mechanism for the balanced management of assets and liabilities of banking institutions based on determination of methods and tools for managing assets and liabilities. The basis of the study is a systematic approach to the process of asset and liability management, used in determining the content and construction of the financial mechanism of asset and liability management of the bank. The essence of the concepts “financial mechanism” and “management of assets and liabilities of the bank” was considered. This made it possible to methodize the main tasks of the banks in the process of asset and liability management. According to the authors, the process of asset and liability management of the bank is a general concept of the banks development, which consists in the integrated management of financial flows of the bank to coordinate management decisions and ensure certain proportions between active and passive operations in order to achieve the next goals: increasing profits; reducing risks; liquidity control; spread management. It was proved that the financial mechanism of assets and liabilities management of a banks, as a component of the mechanism of banking financial management, is a system of objects, subjects, strategies, approaches, tools, means, levers, methods and models of assets and liabilities management of banks, taking into account the principles of strategy and levels of the bank management. The reasons and necessity of the formation of the financial mechanism through the imbalance of assets and liabilities, as well as the financial policy of the bank were investigated. The structure of financial mechanism of bank assets and liabilities management with allocation of strategic, tactical and operational components was formed.

The article considers the views of representatives of various theoretical trends and clarifies the essence of the economic category "credit". The current situation and problems of the credit market functioning in Ukraine are studied. The actual level of lending to the domestic economy has been established. The tendency and regional structure of the provided bank credits in Ukraine are analysed. The dynamics of lending to businesses in national and foreign currency is substantiated. A comparative analysis of the dynamics of loans granted by banking institutions to residents, businesses and individuals is made. The place of consumer loans in the bank lending system has been established. The role of short-term loans in the economic development of Ukraine is determined. The structure of loans granted to residents by maturity, non-financial corporations by type of economic activity and households by maturity was studied. The presence of negative dynamics in the growth of the share of overdue debt on loans in the economy of Ukraine has been established. Peculiarities of borrowing bank capital from enterprises of different types of economic activity by terms of loan repayments and currency are revealed. In particular, it was found that among the enterprises of the processing industry, the largest borrowers of bank funds are economic entities operating in the food industry. An analysis of lending by non-resident banking institutions was also performed. It is established that one of the most important tasks of credit management is the formation and analysis of the loan portfolio of commercial banks. The impact of the COVID-19 pandemic on lending to the economy was analysed and it was found that the negative trends in lending by the banking sector of the Ukrainian economy prevail. The main factors of stagnation of bank crediting in our country are determined. Measures for certain areas of functioning of the domestic credit market to intensify it are proposed. [ABSTRACT FROM AUTHOR]

As an essential institution to the practice of national payment flow, banks always confront with various risk exposures inherent in them. An interbank interactions through interbank money market might yield higher systemic risks that can lead to a default. This study aims at determining the contagion effects towards Indonesian banks. This study used 18 bank samples who provided annual reports from 2007 to 2016. The measurement of the systemic risks was performed by using financial contagion risk index and was tested using Vector Autoregression method. Results show that there was a one-way causality pattern between banks as the research samples, covering BCA with Bank Mayapada, Bank Maybank, Bank Mega, and Bank Resona Perdania and also Bank CIMB Niaga with BCA, BRI, BNI, BTN, Commonwealth Bank, J-Trust Bank, Bank KEB Hana, Bank Mega, and Bank Permata. Meanwhile, two-way causality occurs between Bank BCA and Bank Mandiri and vice versa. In addition, the impact of the risk pressure of a bank is not always positive, however, it is also negative in some cases, which means that the bank can take advantage of the shocked conditions experienced by other banks

The article is aimed at improving the scientific-methodical approach to the formation of the national credit scoring system, which, based on foreign experience, would take into view the features of activities of banking institutions in Ukraine. A generalization of researches has allowed to identify certain lacks of the available approaches to definition of credit scoring. It is proposed to consider credit scoring of a banking institution as an information system of interrelated elements (organizational structure, functional components, information database, and information technologies) and processes, from the phased analysis and integral assessment of the potential borrower to the decision as to provision (or rejection) of credit, formation of a package of relevant documents with subsequent support and forecasting the risks incluiding the failure to comply with credit obligations. The interrelationship between the elements of the information system of credit scoring allows to ensure the productivity and quality of work of the bank’s staff, improve the efficiency of managerial decisions on crediting, which will then optimize the volume of the credit portfolio while reducing costs.

The implementation of international standards for the bank risk assessment and market risk, in particular, in Ukrainian banking practice is aimed at achieving common standards for regulating banking activities in different countries. This should help to increase the banking sector stability in Ukraine and, accordingly, increase the interest of foreign investors.The article deals with the methodological approaches to assessing the bank market risk (in particular, SA, IMA and R-SbM approaches) recommended by the Basel Committee on Banking Supervision in terms of standardization and unification of the normative framework of capital requirements for Ukrainian banks. Considering the analysis results, it was determined that the choice and implementation of an optimal approach in the context of Ukrainian banking practice can be carried out in one of two alternative scenarios: 1) a simplified version of a sensitivity based method (R-SbM); and 2) a recalibrated version of the Basel II standardized approach. In this case, the Basel II recalibrated version is more acceptable for use by banks, since it is most relevant to volume and complexity of transactions carried out by Ukrainian banks.The obtained results are aimed at improving the existing methodology for calculating the adequacy ratio of banks' regulatory capital (N2), which currently considers only the needs for credit risk coverage, and at refining the methodology in terms of considering banks' market-risk coverage needs.

At the present stage of financial market development, the needs of individual clients are constantly growing. Competition in the market of traditional services between banks, as well as between banks and non-banking institutions is intensifying. With this in mind, banks must constantly work to diversify their sources of income, develop and develop new services for the banking system; as a result, there are products of cooperation such as bancassurance. However, the level of their development is quite low, which requires appropriate research and generalization of their results in order to develop appropriate recommendations to improve the efficiency and further development of this type of cooperation. The article examines the emergence of the concept of bancassurance, as a relatively new type of interaction between banks and insurance companies. The formation of the type of cooperation in Ukraine took place during three main stages. The main advantages of bancassurance singled out separately for insurance companies, for banks and for the clients themselves - consumers of financial services. An analysis made in terms of five banks in the Ukrainian financial market, and the most relevant insurance products they offer and with which companies work closely selected. The study found that in the insurance market of Ukraine, the dynamics of net insurance premiums and payments tends to increase. Insurance companies through the sale of services in banking institutions receive about a third of income. For the purpose of generalization, a SWOT analysis of bancassurance presented, with a clear identification of advantages, disadvantages and opportunities for further development in the Ukrainian financial market. [ABSTRACT FROM AUTHOR]

Article on the topic "Bank deposit as a direction of investment activity’s activation of insurers in life insurance" is dedicated to the analysis of the financial condition and the free funds of insurance companies. Bank deposit is the most famous financial instrument, but little attention is paid to it from the study of the deposit as an object of investment. Therefore, the purpose of the study is to consider a bank deposit as a source of intensification of the investment activity of insurance companies. The article collected and processed information about banks, their condition in the financial market, which allowed to identify the main participants of the banking sector. The rating analysis showed high scores, which are confirmed by indicators of the size of assets, capital, loan portfolio, financial results of banking institutions as the leaders of the banking system. In terms of the proposed criteria for a banking institution, as an investment partner in order to reduce the risk of non-profitability of the project, the most reliable banks with a stable financial and economic status were selected in the market of banking services. Banking institution plays a role of an object that deposits funds of insurance companies for a long-term period. In addition to this, bank deposit was considered as an object of investing funds for insurers for long-term accumulation of funds. The analysis of deposit proposals, financial and economic state of banking services in banks was conducted. The deficiencies of the banking system of Ukraine in the field of long-term accumulation of funds are revealed, as well as, the imperfections in accumulation of funds are described. Investment project is proposed, planning for the investment income with regards to the storage of temporarily free assets of insurance companies is conducted. In the process of research, the authors have improved approaches to develop and define investment projects: the definition of "reliable bank", analysis of its deposit offers, forecasting of investment return on deposit commitment. To activate the investment activity of insurance companies, life insurance for an investment proposal is designed according to the direction of placement of insurance reserves in bank deposit. Thus, the analysis showed that the planned indicators considerably exceed the actual figures of companies’ investment income.

Copyright of Financial Space is the property of Cherkasy Institute of Banking, University of Banking of the National Bank of Ukraine and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

The complexity and versatility of the managing for bank's activity requires a balance of assets and liabilities, which are interrelated, and necessitates the formation of the financial mechanism for their management. The purpose of the article is to expansion definitional characteristics of the concepts "asset and liability management of banking institutions" and "financial mechanism for managing the assets and liabilities of commercial banks", to form a structure of the financial mechanism for the balanced management of assets and liabilities of banking institutions based on determination of methods and tools for managing assets and liabilities. The basis of the study is a systematic approach to the process of asset and liability management, used in determining the content and construction of the financial mechanism of asset and liability management of the bank. The essence of the concepts "financial mechanism" and "management of assets and liabilities of the bank" was considered. This made it possible to methodize the main tasks of the banks in the process of asset and liability management. According to the authors, the process of asset and liability management of the bank is a general concept of the banks development, which consists in the integrated management of financial flows of the bank to coordinate management decisions and ensure certain proportions between active and passive operations in order to achieve the next goals: increasing profits; reducing risks; liquidity control; spread management. It was proved that the financial mechanism of assets and liabilities management of a banks, as a component of the mechanism of banking financial management, is a system of objects, subjects, strategies, approaches, tools, means, levers, methods and models of assets and liabilities management of banks, taking into account the principles of strategy and levels of the bank management. The reasons and necessity of the formation of the financial mechanism through the imbalance of assets and liabilities, as well as the financial policy of the bank were investigated. The structure of financial mechanism of bank assets and liabilities management with allocation of strategic, tactical and operational components was formed. [ABSTRACT FROM AUTHOR]

Copyright of Bucharest University Annals - Law Series is the property of CH Beck Publishing House and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

Copyright of Financial & Credit Activity: Problems of Theory & Practice is the property of University of Banking of the National Bank of Ukraine and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

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Copyright of Accounting & Finance / Oblìk ì Fìnansi is the property of Institute of Accounting & Finance and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)

The article studies specific features of formation of effective banking supervision in Ukraine through mechanisms of information transparency of banks. The authors systemised main characteristics of transparency of the domestic banks, which include: accessibility (openness) of information; completeness of information coverage; timeliness; and integrity of information. Study of experience of activity of foreign and domestic rating agencies such as Standard and Poor’s and Credit Rating and also Agency of Financial Initiatives during the period 2006 – 2012 allowed clarification of characteristic features of information policy of banks, which obtained high indicators of transparency, namely: completeness of provision of information about related companies; publication of reports that meet international standards; publication of internal bank documents (Charter, Corporate Code, etc.); publication of information about the dividend policy; publication of a risk management document; publication of information about shareholders meetings; publication of the full version of the audit report; publication of the strategy of development and plans of the bank; publication of information about authorities of corporate bodies; and publication of rating reports. On the basis of the study of reports of rating agencies the article establishes influence of information transparency of the bank upon the state of its economic security and systemises threats of activity of the banking institution from non-disclosure or incomplete disclosure of relevant information.В статье исследованы особенности формирования эффективного банковского надзора в Украине через механизмы информационной прозрачности банков. Авторами были систематизированы основные характеристики транспарентности отечественных банков, к которым относятся: доступность (открытость) информации; полнота охвата информации; своевременность; целостность информации. Изучение опыта деятельности зарубежных и отечественных рейтинговых агентств, таких как Standard and Poor's и «Кредит Рейтинг», а также «Агентства финансовых инициатив» (АФИ) за период с 2006 г. по 2012 г. позволило выяснить характерные черты информационной политики банков, которые получили высокие показатели транспарентности, а именно: полнота раскрытия информации о связанных компании; публикация отчетности по международным стандартам; публикация внутренних документов банка (Устав, Корпоративный кодекс и т. д.); публикация информации о дивидендной политике; публикация документа об управлении рисками; раскрытие в отдельном разделе информации о собрании акционеров; публикация полной версии аудиторского отчета; раскрытие стратегии развития и планов банка; публикация в отдельном разделе информации о полномочиях коллегиальных органов; публикация рейтинговых отчетов. На основе изучения отчетов рейтинговых агентств было установлено влияние информационной прозрачности банка на состояние его экономической безопасности и систематизированы угрозы деятельности банковского учреждения от нераскрытия или неполного раскрытия соответствующей информации.