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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.

Financial The analysis of the bank's financial statements is focused on the assessment of its financial condition and the achieved result, development and further perspective. In addition to the data contained in the financial statements, the analysis also uses data from accounting records and other sources. The very essence of financial analysis is the calculation of relative indicators and their comparison with each other. Banking management, current and potential owners of the bank, investors, depositors, the public and others interested in the bank's performance are sympathetic to the practice of analytical testing of the bank's operations. The results are a guide for formulating business policy and making adequate business decisions for all stakeholders. In this paper, we try to point out the specificity and importance of financial statements in banks, financial analysis as a method of examining business results and determining the performance of banks and the impact of analysis results on business decisions of bank managers.

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Abstract. The article considers the essence of the concept of «emotional flexibility» and identifies its main elements and role in implementing management functions in banking institutions, particularly in decision-making. First, we substantiated the necessity of developing emotional flexibility to strengthen the functions performed by the leader. We established that the degree of development of this experience depends on how much the leader can act in a situation of uncertainty, quickly adapt to change, and find new opportunities and ways to make decisions. After all, in banking management, management decisions are pretty risky and challenging to predict because the financial sector is quite sensitive to socio-economic and political factors. Second, we characterized the mental models that guide any human activity. We consider the term «emotional flexibility of the leader» as a set of skills based on the ability to perceive their own emotions, label and understand them, and then consciously move forward. It also means recognizing stress and getting out of it, deciding how to act according to personal values and goals. Thus, we considered the categories that are the basis for the formation of emotional flexibility, namely: emotional self-awareness, the ability to manage emotions, the ability to control emotions, empathy, establishing and maintaining relationships effectively. We found that the developed emotional flexibility is inherent in leaders who can understand and direct their feelings, quickly identify subordinates’ emotions, and maintain effective social communication. Finally, we focused on the benefits of the developed emotional flexibility of the head of enterprises, institutions, organizations.The emotional flexibility of the leader lies in his conscious readiness to implement the emotional competencies necessary for the effective implementation of professional activities and solving social problems. This will contribute to professional development and personal development, the actualization of adaptive abilities, preservation of health and prevention of «professional burnout», harmonious functioning in society, life achievements. Constantly increasing the importance of the human factor requires additional research in emotional flexibility as another source of improving the efficiency and effectiveness of banking institutions.Keywords: emotional flexibility; emotional intelligence; human factor; leader; manager; management; banking management; decision making. JEL Classіfіcatіon G41 Formulas: 1; fig.: 3; tabl.: 1; bibl.: 31.

The article considers the essence of the concept of «emotional flexibility» and identifies its main elements and role in implementing management functions in banking institutions, particularly in decision-making. First, we substantiated the necessity of developing emotional flexibility to strengthen the functions performed by the leader. We established that the degree of development of this experience depends on how much the leader can act in a situation of uncertainty, quickly adapt to change, and find new opportunities and ways to make decisions. After all, in banking management, management decisions are pretty risky and challenging to predict because the financial sector is quite sensitive to socio-economic and political factors. Second, we characterized the mental models that guide any human activity. We consider the term «emotional flexibility of the leader» as a set of skills based on the ability to perceive their own emotions, label and understand them, and then consciously move forward. It also means recognizing stress and getting out of it, deciding how to act according to personal values and goals. Thus, we considered the categories that are the basis for the formation of emotional flexibility, namely: emotional selfawareness, the ability to manage emotions, the ability to control emotions, empathy, establishing and maintaining relationships effectively. We found that the developed emotional flexibility is inherent in leaders who can understand and direct their feelings, quickly identify subordinates’ emotions, and maintain effective social communication. Finally, we focused on the benefits of the developed emotional flexibility of the head of enterprises, institutions, organizations. The emotional flexibility of the leader lies in his conscious readiness to implement the emotional competencies necessary for the effective implementation of professional activities and solving social problems. This will contribute to professional development and personal development, the actualization of adaptive abilities, preservation of health and prevention of «professional burnout», harmonious functioning in society, life achievements. Constantly increasing the importance of the human factor requires additional research in emotional flexibility as another source of improving the efficiency and effectiveness of banking institutions. [ABSTRACT FROM AUTHOR]

The main purpose of this paper is to assess the cost-efficiency of Banco Ciudad de Buenos Aires’s bank branches using a Stochastic Frontier Analysis (SFA). Owing to the results, management can decide on a new branching dimension. Also, if some regulatory or managerial limits could be lifted, such as the closure or opening of new branches without central bank authorization, or redundancy staff reduction, the results could be important for management. We identify best and worst behaved branches. The more cost-efficient branches and the least costefficient ones differ in their size and input mix. Nonetheless, they present a similar output mix.

Copyright of Lusíada. Economia & Empresa is the property of Fundacao Minerva-Cultura-Ensino e Investigacao Cientifica 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.)

Copyright of Estudios Gerenciales is the property of Universidad ICESI 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 purpose of the paper is to define and demonstrate the role of deposit policy for banking institutions, summarize and highlight the problems and its solutions in deposit policy of Ukraine that provides economic downturn and recovery. Appropriate selection and implementation of the deposit policy objectives, its operational structure and tools determines the degree of development of financial inclusion, which generate developed financial market, ensures public confidence to the deposit services, and increases the level of savings that positively affects the banking system financial stability and economy in the country in whole. It is because of availability and security deposit services, commercial banks of Ukraine have the opportunity to increase its resource base due to savings of the population. Methodology. The paper is based on a synthesis of data to explore the bank deposit policy situation. The paper considers the scientific and theoretical approaches for the developing the deposit policy management. It contains the analysis of the dynamics and current situation and conditions of the resource potential of banking institutions in Ukraine. Results of the article shows direct dependency between savings, consumption and deposit policy, therefore every banking institution includes the mechanism of banking management of the development and implementation of deposit policy. Also, this management defines the deposit policy directions according to the conditions of bank resources mobilization and its applying in active operations. The obtained results confirm that the term “deposit policy” is too complex, but it is investigated in interaction with banking activity. It is explained how deposit policy influences banking system and has impact on economic growth in general. Practical implications. The research creates methodological approaches to the measurement of effectiveness of deposit policy. Also, it studies the existing ones. It provides the possibility to define which of the approaches works in non-stable economic situation and which ones not. The paper has the aim to assess the deposit policy opportunities in balancing and ensuring financial stability of the banking system of Ukraine in the period of economic growth and during the financial instability. Value/originality. Despite of the presence of significant scientific results in this field, deposit policy, today there is no established scientific literature and a comprehensive vision regarding the necessary focus and exposure mechanisms of deposit policy for the banking system. It determines the need to formalize the conceptual framework and the necessary conditions for a financial inclusiveness, deepening scientific and methodological basis of research deposit policy. This article provides the author’s view on the important role of deposit policy for banking institutions and national economy in general.

In this paper, we briefly present the new trends in the banking industry related to customer relationship management. In the first part we realize a brief introduction about the past and present approach related to bank customer relationship management, outlining the importance of rethinking the banking infrastructure towards developing more robust and resilient banking business models and restoring trust among customers. In the second part of the paper, we insist on the idea that crisis shall be seen as a genuine opportunity for banks to change the approach towards their traditional role and refocus on human based banking distributions channels and key means to cultivate loyalty and advocacy among customers. In the last two parts of the paper we mention about the limits of conventional approach and the manners in which behavioral economics, finance and neurosciences may help banks to reduce inefficiency, seize opportunities and manage risks.

Concerns vis-à-vis the issue of increasing the competitiveness of commercial banks is an actual one and which has attracted diverse personalities in the area of debates, such as scientists, economists, bankers, businessmen, investors and even the civil society, the banks being through their specific undertaken activities the institutions of general interest. Successful management of situations that are based on competitiveness can be achieved by applying some approaches, visions and varied methodologies between them, the factor approach being very important. In this regard, the article is focused on the development of the factorial approach of competitiveness management in the activity of commercial banks from the banking system of the Republic of Moldova.

Concerns vis-à-vis the issue of increasing the competitiveness of commercial banks is an actual one and which has attracted diverse personalities in the area of debates, such as scientists, economists, bankers, businessmen, investors and even the civil society, the banks being through their specific undertaken activities the institutions of general interest. Successful management of situations that are based on competitiveness can be achieved by applying some approaches, visions and varied methodologies between them, the factor approach being very important. In this regard, the article is focused on the development of the factorial approach of competitiveness management in the activity of commercial banks from the banking system of the Republic of Moldova.

This paper describes one of the major challenges of the present: globalization and its effects on the banking. Globalization is now increasingly recognized as central to the growth of market economies. For the banking sector, this represents both a demand as well as a new landscape of business opportunity.Several years ago, the main part of the banks did not consider the globalization problems relevant for their operations. Recently, the banks began to realize the major impact of the globalization over the way of creating the banking risk in the future. The banking management in the context of globalization represents one of the challengesof these days. Starting from literature in the globalization field in this paper focuses on several relevant issues related to banking management.

El objeto del trabajo se concreta en contrastar si la dimensión de una entidad de crédito es o no una variable determinante de la gestión empresarial. Para ello efectuamos un análisis estático transversal referido al ejercicio 1995, efectuando un análisis financiero riguroso e individualizado para 93, crédito españolas. Una vez identificados los factores determinantes de los resultados de la gestión empresarial, pasamos a estudiar el grado de relación entre las variables explicativas y explicadas, para terminar estableciendo una tipología de entidades en función de sus modelos de gestión aplicando diversas técnicas de análisis multivariable. El trabajo pone de manifiesto que el tamaño de una entidad de crédito no es un factor determinante de los resultados de la gestión. Asimismo detectamos la existencia de cinco modelos de gestión di firmándose que, desde un punto de vista técnico, una dimensión mayor no garantiza mejore derivados de la gestión de la entidad. No obstante, no podemos obviar que existen razones, e ponente político importante, que anteponen el crecimiento al logro de una rentabilidad ad dimensión. The objective of the article is to contrast if the size of a financial entity is a determining variable, in its performance measurement. To demonstrate this, we have carried out a static cross analysis, in relation exercise for 1995, performing a thorough and individual financial analysis on 93 Spanish financial entities. Once the determining factors of the performance measurement have been identified, we go the level of relation between variables in order to determine a class of entities in terms of their performance measurement applying multivariable analysis techniques. The study draws attention to the fact that the size of the financial entities is not a determining performance measurement. We detect the existence of five different performance models, confirming from a technical point of view, a greater dimension is not a guarantee of better results in the m of the entity. However, we cannot ignore the fact that there are reasons, of important political CI suppose that the increase in rentability to be a consequence of its growth.