Page 44 - Azerbaijan State University of Economics

THE JOURNAL OF ECONOMIC SCIENCES: THEORY AND PRACTICE, V.76, # 1, 2019, pp. 34-47

Threats

Object Subject Costs Proce
dures

For financial reasons

In the field of origin Technological Information

On probability of realization Financial
Risks By status of clients

On the possibility of forecasting
Dangers
By magnitude of manifestation

Figure. 4: Development of negative impact on the object from risk to threat

Given the current situation in the country for banks, the security frontier for the
development of banking technology innovation in the agrarian sector, the amount of
financial resources should be about 100 billion UAH (Table 2).
The narrowing of the bank's fixed communications in the region is regarded by
clients as a source of difficulties in the bank which inevitably leads to a decrease in
confidence in such banks by economic entities. At the same time the subjects of the
agrarian sector can’t use the new terms of service due to a shortage of technological
support for communication with the bank.

Table 2: Calculation of capital by the method of VIA (Budget Impact Analysis)
to cover the innovation risk of Ukrainian banks, UAH million.

Year
Indexes
2013 2014 2015 2016 2017
Interest income 113 334 113 352 117 547 129 932 151 257
Interest expense 61 409 59 506 68 204 80 881 97 171
Net interest income 51 925 53 846 49 343 49 051 54 086
Commission income 15 270 15 473 21 161 24 974 28 276
Commission costs 2 660 3 072 3 080 3 975 4 889

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