FINANCIAL POLICY OF COMMERCIAL BANK IN MODERN ECONOMIC CONDITIONS

Abstract

The aim of the study was to identify areas of optimization of the financial policy of a commercial Bank in modern economic conditions. The financial policy of the commercial Bank in the field of profit formation and distribution was taken as the core. The analysis of the financial condition of the research object was carried out. Particular attention was paid to the cyclical nature and occurrence of unforeseen events. An example was given from the book of N. Taleb "Black Swan" about the occurrence of unforeseen and difficult to predict events. After the financial analysis of the Bank, it was revealed that the net profit of the Bank decreased after an unexpected and very large growth. Further, it was concluded that the decline in net profit after its strong growth a year earlier does not carry much negative consequences. As well as indirect methods of growth were developed, which will not directly affect not only the growth of the Bank's net profit in the long term, but also the growth of its assets as a whole.