Bobyl' V.V.Dnepropetrovsk National University of Railway Transport named after academician V. Lazaryan, Republic of Ukraine Vladimir_bobyl@list.ru
The article points out that modern financial crisis caused objective need of further research of a problem of determination of sufficiency of own means (capital) of bank as well as determined the ratio of these capitals , depending on what kind of strategic policy development from the perspective of risk management ( high-risk , medium-risk,, low-risk ) uses a credit institution . The paper concludes that during the financial crisis, banks need to use low-risk development strategy, which directed to maintaining a high level of economic capital (it must be greater regulatory capital) and liquidity at the minimum level of profitability.
Keywords: economic capital, development strategy, risks, management
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