SIMULATION OF THE PROCESS OF FINANCIAL STABILITY MANAGEMENT OF A COMMERCIAL BANK

In the article to ensure a constant level of stable activity of a commercial bank, economic and mathematical methods for managing its financial stability are proposed for use. To achieve financial and social effect, the banking institution must analyze its current state and targets, identify problems in the bank's activities and prospects for its development, taking into account internal and external factors. In this context, a mechanism for managing the financial stability of the bank is proposed. Correlation-regression analysis of the reliability indicator for UKRSIBBANK BNP Paribas Group was performed. It was established that the years 2015–2016 were problematic for the bank due to economic instability in Ukraine. Another inevitable factor that affected the functioning of the bank was the height of the Covid-19 epidemic, which significantly shook the level of its financial stability. The forecast reliability indicator of UKRSIBBANK BNP Paribas Group in the third quarter of 2020 decreased by another 12.12% compared to the fourth quarter of 2019. Therefore, in order to stimulate further development and increase the bank's profitability, it is necessary to adopt a number of recommendation requirements for ensuring and managing the financial stability of UKRSIBBANK BNP Paribas Group. Therefore, it is established that the main element of strategic planning of the financial institution is to assess the actual adequacy of the resource base of the bank in comparison with the planned. According to the results of the study on modeling the process of managing the financial stability of the bank, it is determined that the main indicator of the effective operation of a banking institution is the quality of its capital and resources. In fact, their optimal ratio in terms of liquidity, financial stability, solvency and profitability contributes to the growth of customers and, consequently, the amount of income of the bank.