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Financial Analytics: Science and Experience
 

Evaluation of the financial sustainability of a banking institution as part of the implementation of its financial policies: methodological perspectives: Evidence from the market of the Southern Federal District

Vol. 9, Iss. 14, APRIL 2016

PDF  Article PDF Version

Received: 25 February 2016

Accepted: 15 March 2016

Available online: 15 April 2016

Subject Heading: ASSESSMENT AND APPRAISAL ACTIVITIES

JEL Classification: E27,G21, G23

Pages: 26-38

Rodin D.Ya. Kuban State Agrarian University, Krasnodar, Krasnodar Krai, Russian Federation
rodin17@mail.ru

Glukhikh L.V. Kuban State University, Krasnodar, Krasnodar Krai, Russian Federation
GluhihL@bk.ru

Bezruchko A.S. Kuban State Agrarian University, Krasnodar, Krasnodar Krai, Russian Federation
anyuta9420@mail.ru

Importance The article focuses on indicative assessment of the financial sustainability of banking institutions and mechanisms for implementing their financial policies at the regional market of financial services, and issues of their interaction.
Objectives The research devises mechanisms to formulate financial policies as part of the strategy for sustainable development of banking institutions and reach adequate indicators of financial sustainability.
Methods The methodological architectonics relies upon an analysis and synthesis of scientific knowledge on the subject. We also used a systems analysis, monographic method to trace a systemic nexus of sustainable development, parametric modeling, deduction and induction.
Results We determined that the market environment had a positive effect on the formation and implementation of the banking institution's financial policies. The bank's financial sustainability depends on the composition and allocation of assets, structure of their sources, the banking institution's ability to settle its liabilities timely and completely. The researches helped us devise methods for indicative assessment of the bank's financial sustainability.
Conclusions and Relevance Provisions on comprehensive implementation of banks' financial policies contribute to their financial sustainability, attainment of ultimate goals – all managing parties pursue – and expansion of the clientele. The practical use of the indicative assessment methods will allow for monitoring of trends in financial flows and timely respond to any changes in the processes.

Keywords: banking policies, institution, financial sustainability, management, indicative model

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