FEATURES OF ASSESSMENT AND MANAGEMENT FINANCIAL STABILITY OF THE BANK

The article defines the essence of the concept of financial condition of the bank, because most scientists interpret this concept differently. Approaches to the interpretation of the concept of «financial security of the bank» are defined. Also, methods for assessing the level of financial stability of the bank according to modern market conditions in Ukraine were identified. To analyze and assess the current state of development of the banking system of Ukraine, the profitability indicators of Ukrainian banks for 2016–2020 were used. Also, the dynamics of indicators of financial stability of the banking system is built, which allows to assess the systemic risks of financial stability of banks. In order to more effectively analyze and forecast changes in the level of financial stability of the bank, a system-methodological approach to comprehensive assessment of financial stability of the bank based on a dynamic regulatory-index model of risk assessment, built using non-parametric statistics. The structural-logical scheme of formation of normative-dynamic model of management of financial stability of bank taking into account risks of activity is developed. It is determined that due to the diversity of economic indicators, not all of them can be directly compared both from the standpoint of their target orientation and from the point of view of interpretation of relations. Separate conclusions have been formed on the peculiarities of managing the level of financial stability of the bank, taking into account the current state of the banking market of Ukraine. Weaknesses of the banking system of Ukraine and the main crisis-forming factors have been identified. Recommendations for more effective management of the level of financial stability and reliability of the bank under the influence of modern market and financial risks in Ukraine are provided. A normative-index model of financial stability management is proposed, which will provide an opportunity to assess in more detail the overall level of riskiness of the bank's activities in the future based on risks that significantly affect the current state of development of the banking system of Ukraine.