Keywords
financial stability of a bank
system of indicators
stability of the banking system
How to Cite
Abstract
This article examines the role of statistical methods in evaluating the financial stability of banking institutions. Statistical methods, grounded in the objective analysis of financial indicators as well as correlation and regression modelling, enable the timely identification of critical changes in a bank’s financial condition, facilitate the assessment of solvency risk, and support informed managerial decision-making aimed at strengthening financial stability. The purpose of the study is to substantiate the feasibility and effectiveness of using statistical methods to assess the financial stability of banking institutions, taking into account current challenges and the need to ensure the stability of the banking system. Based on the results of the analysis of the theoretical and methodological foundations of the concept of ‘financial sustainability of a bank’ and its key parameters, it is determined that the financial sustainability of a commercial bank can be defined as a condition that provides for the availability of sufficient resources to maintain solvency, liquidity and profitability, as well as to ensure sustainable development in the face of constant risks. Within the framework of the considered approach to assessing the financial stability of banking institutions, it is advisable to form a system of indicators that includes: indicators of asset dynamics, financial stability, security, and profitability. An assessment of the bank's financial ratios dynamics for 2022-2024 revealed that some indicators showed negative trends. Such changes indicate a decrease in the bank's ability to generate assets primarily from its funds, which, in turn, increases its dependence on external financing. In terms of profitability, most key indicators remained relatively low. This is likely to reflect the difficulty of the macroeconomic situation caused by the hostilities and general uncertainty in the financial market. Thus, the use of statistical methods in the system of assessing the financial stability of banking institutions makes it possible to identify and justify strategic directions for its achievement.
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