Optimization of business models of state banks in the conditions of strengthening requirements for financial security in 2022

Abstract

The article focuses on the financial results of Ukrainian banks with the participation of the state in capital for 2021. The authors analyze the contribution of each bank with state participation in the capital to the overall result of the banking system, as well as their share in the markets of deposits, loans, securities. The authors present calculations that compare the results of activities with 2020, as well as the results of twenty banks of foreign financial groups and banks with private capital. The comparative dynamics of the indicators of the main markets of active and passive banking operations for the period 2008 - 2021 is calculated. In a tense external economic situation, the authors propose approaches to the strategic direction of development of public sector banks and ways to increase their impact on the overall security of money circulation in the country in the event of a special period. The calculations that allow specialists to compare the financial results, the role and place of each bank with state participation with foreign financial groups banks and banks with private capital. The dynamics of changes in the resource base of banks at the expense of legal entities and individuals, as well as the dynamics of credit and investment portfolios of legal entities and individuals are presented. Proposals for the organization of bank management control, where the state is a shareholder, are provided, and independent supervisory boards of banks are formed. The main macroeconomic trends that influenced the development of banks in 2021 are considered. The importance of resuming the Government's cooperation with the International Monetary Fund in 2021, as well as the importance of implementing the strategy of development of banks with participation of the state in capital in order to increase the capitalization of this sector and attract foreign capital to direct investment in the banking sector is stressed. The article provides an opportunity for potential investors in the Ukrainian banking market to assess the attractiveness of working in Ukraine, taking into account the results of two dozen foreign financial groups that have been in business for more than twenty years.