ASSESSMENT AND ENSURING THE FINANCIAL SECURITY OF THE BANK

The article provides an in-depth analysis of the bank's financial security, focusing on the importance of capital management, risk and performance forecasting. It was determined that one of the key characteristics of the study is the use of forecasting models to assess the financial stability of credit institutions, which turned out to be important both at the international and national levels. It is noted that the regulators of various countries, including Ukraine, have already implemented some predictive evaluation indicators. This allows banks not only to assess their current state, but also to forecast its future changes based on the analysis of the dynamics of indicators. The presented integrated model for assessing the financial stability of banks is presented as a complex system that combines various assessment methods. This includes rating systems, remote monitoring systems, early warning and risk analysis systems. This approach allows you to get a comprehensive understanding of the current state of the bank, evaluate the changes that have taken place in the past, and make balanced forecasts regarding further development. The main elements of the assessment of financial security include the values of the constituent indicators of capital and profitability, their projected average growth, as well as specific fixed correction factors. These coefficients are calculated on the basis of the method of least squares for indicators of profitability, as well as its modified version for indicators of capital. Specific indicators are considered, such as the cost structure, which includes administrative and management costs and net income. The importance of developing effective measures and strategies to ensure the financial security of banks is emphasized, especially in the conditions of an unstable macroeconomic environment. The importance of integrating various assessment tools is emphasized so that banks can adequately assess their risks and plan their activities accordingly.