The banking system of Ukraine Presentation Transcript
The banking system in Ukraine
The banking system is a
set of interconnected
and cooperating banks,
each of which performs
the functions arising
from his appointment.
Summary of the National Bank of Ukraine is evident in its
develop the main directions of the single monetary
policy, according to which the regulation of money
circulation in Ukraine;
participate in the development of the main directions
and trends of economic and social development of
Ukraine's economy, the state budget of Ukraine;
to authorize the establishment of commercial banks
with foreign entities and foreign citizens;
servicing the public debt, to perform operations
associated with the deployment of state loans and
their repayment and interest payment.
National Bank of Ukraine
The main OBJECTIVE
of the national
currency - the
The legal status of the National Bank of Ukraine, its special legal
regulation leads him to perform specific banking transactions.
According to Article 8 of the Law of Ukraine "The Banks and Banking
Activity" National Bank performs the following operations:
conducts operations from the reserve fund
buys and sells securities that are issued by the
gives loans to commercial banks for the period in
agreement with lenders
privatization certificates it issues
buys and sells foreign currency and payment
documents in foreign currency
Types of banks
• has the exclusive right to issue notes
(currency, bank notes)Issuing Bank
• specialize in providing long-term loans
secured by real estateMortgage banks
• specializing in financing and long-term loans
of different companies and entire industriesInvestment Banks
• are simple financial and credit institutions
for the promotion of free cash populationSavings Bank
• lending to all stages of the innovation
process to create and implement a variety of
Commercial banks - the most versatile type of banks
that are engaged in a wide range of transactions, including
loans to industrial, commercial and other businesses
mainly due to cash flow in the form of deposits.
Commercial banks are classified by the number of
Form of the
private open type
private close type
Depending on the
Depending on the
• associated with all
and the Board
Savings Bank of
• formed with the
foreign capital and
may have branches
(branches) in other
On the one hand, they are
produced to meet the interests
of bank owners (shareholders
or individual) and social
interests of customers -
businesses and individuals
served by the bank.
On the other hand, commercial
forms - a special type of company
that will organize and carry out the
movement of loan capital for profit-
Commercial banks have the following
Commercial banks engaged in business for profit: offered on a contractual
basis of the credit and settlement, cash management and other banking
services to businesses, organizations and individuals by performing
banking transactions and providing various banking services.
The presence of all the rights of a legal entity, organizational unity,
participation in economic relations, self-responsibility, and the obligatory
indication of the charter of the bank, the bank is a legal entity.
Owning property in the property rights or the rights of full economic
management, the availability of authorized capital, which is displayed on
the bank's own balance sheet.
Limitations of commercial banks
Commercial banks are
prohibited activities in
the sphere of
production, trade and
The law limited ability
of commercial banks to
own real estate.
Bank is not responsible
for the obligations of
the state and the state is
not liable for the
obligations of banks,
unless the parties take
on this responsibility
(Article 5 of the Law of
Ukraine "The Banks and
Functions of commercial banks
• 1. The mobilization of temporarily free funds and converting
them into capital.
• 2. Lending to businesses, government and people.
• 3. Settlements and payments in the economy.
• 4. Issue of credit money.
• 5. Share-constituent activities carried out through the
issuance and placement of securities.
• 6. Counseling, provision of economic and financial
Stock Bank - is a kind of commercial bank created a joint
Stock Bank - a credit institution which is a union under
the agreement of funds of individuals and entities
(including foreign) for joint economic activity and profit.
The procedure for the establishment and operation stock
banks determined by laws of Ukraine "The Banks and
Banking Activity", "Business Associations", "On
Securities and the Stock Market" and others.
The authorized capital stock of the bank is formed only at
their own expense of shareholders. The share of each
shareholder shall not exceed 35 percent of the authorized
fund of the bank.
Procedure for establishment and operation of commercial banks
regulated by the Law of Ukraine "Banks and Banking activity", "Business
Associations", "Securities and stock exchange", "Entrepreneurship",
"Foreign investments" and others, as well as temporal position of the
establishment, registration of commercial banks and the supervision of
their activities, approved by the Board of the National Bank of 17 July
1992, with significant changes and additions to it in recent years.
Development of commercial banks is
constrained by the following factors:
lack of legislative
over a long period
of not fulfilling its
limits the credit
absence of some
statutory funds of
funds does not
security of their
Effective functioning of the banking system of
Ukraine is largely determined by the level of its
legal basis and is impossible without defining
the legal status of the subjects of the credit
system and the detailed regulation of various
aspects of banking. Creating a full-fledged
banking legislation is the key to proper
management of the economy of the state, the
construction mechanism of the modern credit
system of Ukraine and the formation of law.
Banking law has several features
nature of the
banking law, as
branches of law
amount of by-
laws, and laws
and issues of
branches of law
civil law), which
is of practical
of the economy
To improve the banking laws of fundamental importance to
the process of integration and differentiation.
• provides strengthening the
relationship and interaction
between the banking laws of
other branches of law
(administrative, civil, financial)
• lies in its demarcation,
especially regulation of various
fields of banking (payment,
credit, currency, etc.).