Dmytro Khoruzhyi


The article explores the key threats to the domestic banking system and their possible implications in the context of loss of stability of banks. The basic sources of problems and possible measures to neutralize them are subject to the article.  

 The level of the capital stability analysis of the loan portfolio quality and risk assessment of insolvency of domestic banks is subject to the article. The study found that the key problems of the banking system of Ukraine are its insufficient resource base, the outflow of deposits and the loan portfolio deterioration that occurs on a background of multiple, mainly internal risks. It is depicted that the level of capitalization of banks fell, though not reached the critical threshold, indicating there is still certain reserve left.

Having analyzed the liquidity and capitalization levels, it was concluded that there are sufficient funds to make payments to depositors in case banks fail to do so. It was concluded that at the moment the level of the coverage of deposits of individuals is more than two times higher than during the crisis of 2008-2009. This still indicates an extremely high risk of new bank insolvency in Ukraine, especially in the context of the systemic risk.


crisis in the banking system; the stability of the banking system; internal and external threats to the stability of the banking system of Ukraine


Baranowskyi, O. I. (2009). Financial crisis: background, consequences and ways of prevention. Kyiv: nat. trade-economical. University.

Monetary and Financial Statistics. Available at

Dynamics of DGF funds for 2001-2015 years. Available at

Pshyk, B. I. (2011). Financial and credit relations in Ukraine: formation, development, areas of improvement. Institute for Regional Studies of NAS of Ukraine. Kyiv: UB NBU.

Statistics payments to depositors of guaranteed amounts. Available at

The external sector statistics. Available at

Statistics indicators of financial stability. Available at

GOST Style Citations

Барановський, О. І. Фінансові кризи: передумови, наслідки і шляхи запобігання [Текст] : монографія / О. І. Барановський. — Київ : Київ. нац. торг.- екон. ун-т, 2009. – 754 с.

Грошово-кредитна та фінансова статистика [Електронний ресурс]. – Режим доступу:

Динаміка фінансових ресурсів ФГВФО за 2001-2015 роки [Електронний ресурс]. – Режим доступу:

Пшик, Б. І. Фінансово-кредитні відносини в Україні: становлення, розвиток, напрями вдосконалення [Текст] : монографія / Б. І. Пшик ; Інститут регіональних досліджень НАН України. – Київ : УБС НБУ, 2011. – 551с.

Статистика виплат вкладникам гарантованих сум відшкодувань [Електронний ресурс]. – Режим доступу:

Статистика зовнішнього сектору [Електронний ресурс]. – Режим доступу:

Статистика індикаторів фінансової стійкості [Електронний ресурс]. – Режим доступу:

Copyright (c) 2015 Dmytro Khoruzhyi

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.

ISSN (print) 2306-4994, ISSN (on-line) 2310-8770