The Capital Adequacy of Banking Institutions: Ukrainian Realities and International Regulatory Control

The article is aimed at diagnosing the current state of capitalization of banking institutions in Ukraine to substantiate applied measures in order to increase the level of adequacy of banking capital, in view of the requirements of international legislation. The essence is considered and the terminology apparatus of the «bank capital» is systematized. The main indicators of development of the banking sector of Ukraine for 2015–2018 are diagnosed, the indicator of adequacy of regulatory capital for leading banks is estimated, the compliance of banking institutions with the requirements for the size of their regulatory capital and their ability to timely pay on their obligations to counterparties is determined. The basic changes which will happen at the full-fledged implementation of the «Basel-III» agreement are researched, the possible most significant positive and negative consequences for banking institutions of Ukraine resulting from the specified agreement are substantiated. The risks on claims and possibilities of their transfer are analyzed in the context of banking institutions of Ukraine and individual countries. Prospect for further scientific research is the practical development of the mechanism for identification and ranking of the aggregate of risks arising from the further introduction of requirements of the «Basel-III» standard in the banking activities, in view of the experience of foreign countries

The Diagnostics of the Status of Reforming the Pension Provision in Ukraine

The article is aimed at assessing the current status of pension provision of Ukraine and substantiating further directions of its reforming. The main stages of carrying out pension reforms in Ukraine were systematized, which allowed to approve the parametric changes of the pension system components. The dynamics of changes in the average monthly wage, as well as the average amount of the accrued pension were researched. In order to ascertain performance by the State pension insurance as to the function of payment of part of the cost of labor, dynamics of the substitution coefficient during 2012–01.10.2017 was analyzed. The dynamics of financial indicators of the budget of the Pension fund of Ukraine (PFU) was analyzed, determining its deficit for 2012–2017, defining a rapid growth of almost 5,2 times of the deficit of budget of the PFU at the end of the researched period, compared to 2012. The higher-than-anticipated growth of the deficit of the PFU over the GDP growth of the country as a whole has been diagnosed. It has been determined that the status of the pension system and the possibilities of its development are directly dependent on the demographic situation in the country. The dynamics of correlation of number of working persons and pensioners in Ukraine for 2012–2017 was researched and the steady tendency of reduction of number of occupied economically active population of Ukraine was revealed. Further ways of reforming the pension system of Ukraine on the basis of development of voluntary pension insurance as additional collateral to the State pension have been substantiated