2409-1634Research result. Economic Research2409-163410.18413/2409-1634-2016-2-4-53-61958FINANCECREDIT-INVESTMENT POTENTIAL OF BANKS. REGIONAL ASPECTCREDIT-INVESTMENT POTENTIAL OF BANKS. REGIONAL ASPECTKostorovetsLarisa B.KostorovetsLarisa B.lara_k80@mail.ruKirizleevaAlisa S.KirizleevaAlisa S.akirizleeva@mail.ru20162400

To create and maintain the banking institutions in a stable condition all cash flows must be managed efficiently, which is reflected through the management of financial instruments, which are recognized in the assets, liabilities, off-balance sheet claims and liabilities. Financial instruments, which are applicable in the present, past and future, including off-balance sheet assets and liabilities, banking institutions receive or pay in the future, that directly affects the results of operations and financial condition. The article examines the peculiarities of efficient banking operation, as well as the indices influencing its efficiency. It also analyses the functioning of commercial banks of Ukraine by their main quantitative and qualitative indices; examines the connection of regional peculiarities and crediting and investment activity of the banks of Ukraine, their influence on efficient functioning of banks in different regions. The article also analyses the location of commercial banks on the territory of Ukraine.

To create and maintain the banking institutions in a stable condition all cash flows must be managed efficiently, which is reflected through the management of financial instruments, which are recognized in the assets, liabilities, off-balance sheet claims and liabilities. Financial instruments, which are applicable in the present, past and future, including off-balance sheet assets and liabilities, banking institutions receive or pay in the future, that directly affects the results of operations and financial condition. The article examines the peculiarities of efficient banking operation, as well as the indices influencing its efficiency. It also analyses the functioning of commercial banks of Ukraine by their main quantitative and qualitative indices; examines the connection of regional peculiarities and crediting and investment activity of the banks of Ukraine, their influence on efficient functioning of banks in different regions. The article also analyses the location of commercial banks on the territory of Ukraine.

banking systemefficiency of banking operationprofitassets and liabilities managementbanking investmentsregional peculiaritiescrediting and investment activityregionbanking systemefficiency of banking operationprofitassets and liabilities managementbanking investmentsregional peculiaritiescrediting and investment activityregionСписок литературыBaburin, N. A. Credit and investment potential of the bank: the concept and elements / N. A. Baburin // Bulletin of Tyumen State University. 2006. №3. Pp. 208-210.Veshkin, G., Avagyan, G. L. Economic analysis of commercial bank activity: Textbook. Guide. M. Masters, 2007.Vorobyov, Yu. Kredituvannya sub'єktіv pіdpriєmnitstva in ekonomіtsі regіonu: monograph / Y. M. Vorobyov, K. A. Sribna. Simferopol: Vidavnitstvo «Share», 2008. 224 p.Glushko, V. І. Financial management at the bank: Navch. posіb. Singapore: VD «Word», 2004. 296 p.Kochetov, V. M. Financial sustainability of modern commercial Bank: theoretical and methodical aspects: monograph: the monograph / V. M. Kochetov. K .: KNEU, 2002. 238 p.Lavrushin, O. I. Money, credit, banks. – 1-e izd. – 1998.Lavrushina, O. I. The banking system in the modern economy: the manual / group of uthors; ed. prof ... 2nd ed. M.: KNORUS, 2012. 360 p.Novikov, A. I. Practical Approaches to reform the banking system in the Russian Federation // Young scientist. 2013. №7.P. 225-228.Main indicators of activities of Ukrainian banks. - [Electronic resource]. - Access mode: http://www.bank.gov.ua/control/uk/publish/article?art_id=36807&cat_id=36798 (date of access: May 17, 2015).Orlova, N. E. Mergers and acquisitions as a tool for diversified growth of commercial banks / NE Orlov // Banking. 2000. №1. Pp. 128-132.