FORMATION AND IMPLEMENTATION OF FINANCIAL POLICY OF A COMMERCIAL BANK

The aim of the work is to identify areas of optimization of the financial policy of a commercial bank in modern economic conditions. The article identifies the main components of the financial policy of a commercial bank. The author analyzes the financial condition of a commercial bank and evaluates the effectiveness of its financial policy. Particular attention is paid to identifying the problems of the current financial policy of the commercial bank under study. The main problems that were highlighted in this work are: a decrease in the multiplier of capital and an increase in operating expenses. The reduction of the British multiplier is due to the new requirements of the Basel Committee. The increase in operating expenses is due to the inefficient work of the bank with overdue loans. Namely, reducing the cost of collecting. In addition, a matrix of bank financial strategy was developed, which is based on three factors determining the type of bank credit policy. On the basis of the analysis conducted, measures were identified to increase and increase the effectiveness of financial policy.

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