INTEGRAL INDEX OF STABILITY OF FINANCIAL FLOWS OF COMMERCIAL BANKS

Background. New methodology of calculation of integral index of stability of financial flows of commercial banks is offered in the article. This methodology is based on decomposition of function of financial thread in endless work of the economic factors included in it. Due to the offered method of calculation this economy-mathematical model gives an opportunity to keep track of the change of stability index of all financial flows of commercial bank. Review of scientific sources shows that one of the main key integrated multi-criteria comparative evaluation is an index of financial stability (reliability) of a commercial bank. But analysis of existing works shows that the financial stability index of the bank is a multi-criteria evaluation, which depends on a set of several economic factors. With this set of economic factors on the well-known formulas different rates are calculated. By comparing these factors individually with each other for different periods of time and across different banks, changes in these factors are identified and interpreted individually. The main disadvantage of this method is the lack of the total integrated assessment, which makes it difficult to interpret the results of calculations for a large number of banks. The scientific definition of the above-mentioned shortcomings is relevant, and forms the basis of research purpose. Results. Financial stability of the bank is characterized by the following economic factors: equity, bank liabilities, total assets of the bank, the bank's earning assets, non-profit bank's assets, capitalized assets. While calculating financial stability index of a bank for all the commercial banks representatives of the first group, redistribution of ranking of financial stability is observed. Conclusions. One of the key indicators of a commercial bank is the stability of its financial flows. The proposed method is simple to build an economic and mathematical model and makes it possible to monitor changes in the index of stability of the financial flows of commercial bank. The need for such an integrated indicator is that it can be used to trace the dynamics of change, since it is based on the use of the apparatus of mathematical statistics.