The banking system of Ukraine in transition:
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| 100 | 1 | |a Novikov, Vitalij |e Verfasser |0 (DE-588)141009454 |4 aut | |
| 245 | 1 | 0 | |a The banking system of Ukraine in transition |c Vitaliy Novikov from the Ukraine |
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| 500 | |a Dissertations-Nr. 3699 ; Literaturverzeichnis: Seite 306-319 | ||
| 502 | |b Disseration |c Universität St. Gallen |d 2010 | ||
| 648 | 7 | |a Geschichte 1991-2008 |2 gnd |9 rswk-swf | |
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| adam_text | Titel: The banking system of Ukraine in transition
Autor: Novikov, Vitalij
Jahr: 2010
Overview of Contents
Overview of Contents
TABLE OF CONTENTS....................................................................................6
LIST OF TABLES...........................................................................................10
LIST OF FIGURES..........................................................................................12
LIST OF APPENDICES..................................................................................14
ABBREVIATIONS...........................................................................................15
1. INTRODUCTION......................................................................................17
2. THE FIRST STAGE OF BANK SECTOR TRANSITION IN UKRAINE:
FROM THE MONOBANK TO A TWO-TIER BANKING SYSTEM.................28
3. THE SECOND WAVE OF BANK SECTOR REFORM: THE PERIOD OF
MONETARY TIGHTENING AND REGULATORY RESTRICTION (1995 -
2000)...............................................................................................................85
4. THE THIRD WAVE OF BANK SECTOR REFORM: LIBERALIZATION,
INTERNATIONALIZATION AND RAPID EXPANSION (2001 - 2008)........157
5. SUMMARY AND CONCLUSIONS.........................................................273
6. APPENDICES.........................................................................................283
7. LITERATURE.........................................................................................306
CURRICULUM VITAE...................................................................................320
Table of Contents
Table of Contents
TABLE OF CONTENTS....................................................................................6
LIST OF TABLES...........................................................................................10
LIST OF FIGURES..........................................................................................12
LIST OF APPENDICES..................................................................................14
ABBREVIATIONS...........................................................................................15
1. INTRODUCTION......................................................................................17
1.1. Ukraine - a Difficult Case of Transition--------------------.....--------------------------------------17
1.2. Research Objectives_________________________________________________________20
13. Methodological Approach, Data Sources and Structure of the Dissertation________*____22
1.4. Banking Reforms in Transition: a Conceptual Overview--------.--------------------------------25
2. THE FIRST STAGE OF BANK SECTOR TRANSITION IN UKRAINE:
FROM THE MONOBANK TO A TWO-TIER BANKING SYSTEM.................28
2.1. Soviet Origins and Pre-Independence Reforms---------------------------------------------------.28
2.2. Bank Sector Reform during Independence______________________________________30
2.2.1. Monetary Policies and Macroeconomic Environment............................................................30
2.2.2. Setting up a Central Bank.......................................................................................................36
2.2.3. Banking Regulation and Supervision......................................................................................38
2.2.4. The Interbank Payments and Settlements System of Ukraine: the Origins............................41
2.2.5. Commercial Banking Policies.................................................................................................45
23. The Impact of the First Wave of Bank Sector Reform on the Evolution of the Ukrainian
Banking Sector________________........................................................................................................48
2.3.1. Banking Market Structure and Banking Sector Performance.........................,.......................48
2.3.1.1. Banking Sector Size........................................................................................................48
Number of Commercial Banks....................................................................................................48
Banking Sector Capitalization.....................................................................................................50
The Deposit Base of the Banking System...................................................................................52
Aggregate Bank Sector Lending.................................................................................................56
2.3.1.2. Ownership Structure in the Banking Sector....................................................................60
2.3.1.3. The Competitive Structure of the Banking Sector..........................................................63
2.3.1.4. The Product Structure of the Banking Services Market..................................................67
A Top-Down Approach to Market Formation............................................................................67
The Demand Factors of the Banking Services Market...............................................................69
The Supply Factors of the Large State-Owned and Formerly State-Owned Banks....................70
The Supply Factors of the Small Private Sector Banks..............................................................72
Foreign Currency Products and Origins of Dollarization...........................................................73
2.3.2. The Stability and Efficiency of the Ukrainian Banking Sector during the First Wave of
Reforms.............................................................................................................76
2.3.2.1. Banking System Efficiency.............................................................................................77
2.3.2.2. Banking System Stability................................................................................................79
Table of Contents
2.4. Summary of Chapter 2.................................................................................................................81
3. THE SECOND WAVE OF BANK SECTOR REFORM: THE PERIOD OF
MONETARY TIGHTENING AND REGULATORY RESTRICTION (1995 -
2000)...............................................................................................................85
3.1. Monetary Policies and Macroeconomic Environment..............................................................86
3.1.1. A Policy U-Turn: from Excessive Expansion to Severe Restriction......................................86
3.1.2. A Crisis Episode: the Russian Financial Crisis of 1998.........................................................92
3.2. The Legal Status and Institutional Standing of the National Bank of Ukraine__________95
3.3. Bank Regulation and Supervision: Finally Arrived..................................................................98
3.3.1. Regulatory Empowerment......................................................................................................98
3.3.2. The Organizational Structure of the Ukrainian Bank Regulation and Supervision from 1995
to 2000: Perpetual Motion....................................................................................................................99
3.4. Commercial Banking Policies....................................................................................................102
3.4.1. Re-Capitalization of the Commercial Banks........................................................................104
3.4.2. Prudential Regulation and Supervision.................................................................................106
3.4.3. 1FRS in Ukrainian Banking: a Sobering Glimpse of Transparency......................................108
3.4.4. Progress with Regulatory Enforcement................................................................................109
3-4.5. Dealing with Large State-Owned and Formerly State-Owned Banks: A lot of Noise, Little
Action.................................................................................................................................................111
3.4.5.1. Overdue Restructuring Efforts......................................................................................111
3.4.5.2. Legacy Problems of Directed Lending: the Non-Performing Loans of Large Banks... 113
3.5. Banking Sector Performance during the Second Stage of Transition...................................115
3.5.1. Section Introduction..............................................................................................................115
3.5.2. Banking Sector Size..............................................................................................................115
3.5.2.1. The Number of Commercial Banks..............................................................................115
3.5.2.2. Banking Sector Capitalization.......................................................................................] 16
3.5.2.3. The Funding Base of the Banking System....................................................................118
3.5.2.4. Aggregate Bank Lending..............................................................................................122
3.5.3. The Ownership Structure in the Ukrainian Banking Sector.................................................127
3.5.3.1. The Rise of Large Private Sector Institutions...............................................................128
3.5.3.2. Foreign Banks in Ukraine: an Early Speculative Move................................................130
3.5.4. The Competitive Structure of the Banking Sector................................................................131
3.5.4.1. Capital Concentration....................................................................................................131
3.5.4.2. Deposit Concentration...................................................................................................132
3.5.4.3. Asset Concentration......................................................................................................134
3.5.5. The Product Structure of the Ukrainian Banking Services Market......................................137
3.5.5.1. Evolution of the Demand for Banking Services during the Second Wave of Reform.. 137
3.5.5.2. The Supply Factors of the Banking Services Market during the Second Wave of
Reform...............................................................................................~.........................................141
3.5.5.3. The Product Offering in the Banking Services Market: a Quantitative Perspective.....143
3.5.6. The stability and efficiency of the Ukrainian banking system during the second wave of bank
sector reform.......................................................................................................................................145
3.5.6.1. Banking System Efficiency during the Second Wave of Bank Sector Reform............145
3.5.6.2. Banking System Stability during the Second Wave of Bank Reform...........................148
3.6. Summary of Chapter 3________________________________.----------------?-------------151
4. THE THIRD WAVE OF BANK SECTOR REFORM: LIBERALIZATION,
INTERNATIONALIZATION AND RAPID EXPANSION (2001 - 2008)........157
4.1. Monetary Policies and Macroeconomic Environment_______.__.______,------.__.____159
Table of Contents
4.2. The Legal Status of the Central Bank and Observance of the Code on Good Practices on
Transparency in Financial and Monetary Policies--------------.....--------------------------------------168
4.2.1. Clarity of Roles, Responsibilities and Objectives of Central Banks for Monetary Policy ...170
4.2.2. Transparency of Monetary Policies......................................................................................173
4.2.3. Assurances of Integrity and Accountability of the Central Bank.........................................174
4.2.4. Intermediary Conclusions.....................................................................................................175
43. Banking Regulation and Supervision during the Third Stage of Transition--------------.....176
4.3.1. A New Wave of Organizational Reshuffling........................................................................176
4.3.2. Anti Money-Laundering Measures and Cooperation with the FATF...................................179
4.3.2.1. Legislative Facilitation of Compliance.........................................................................179
4.3.2.2. Organizational Facilitation............................................................................................181
4.3.3. The Deposit Insurance Scheme in the Ukrainian Banking System......................................182
4.3.4. Independent Assessment of the Regulatory Framework and Directions of Further
Reforms.............................................................................................................................................185
4.3.4.1. Independent Assessment of the Supervisory Framework.............................................185
The Operational Independence of Bank Supervisors................................................................186
Transfer of Significant Ownership Rights................................................................................187
Related-Party Exposures...........................................................................................................187
Consolidated Supervision..........................................................................................................188
Prudential Supervision..............................................................................................................188
4.3.4.2. Outlook for Further Reform of Bank Regulation and Supervision...............................189
4.4. Commercial Banking Policies during the Third Wave of Banking Reforms___________190
4.4.1. Recapitalization of the Banking Sector.................................................................................193
4.4.2. Dealing with the Legacy Problems of State-Owned Banks..................................................197
4.4.3. Addressing the Banking Sector Fragmentation....................................................................200
4.4.4. Promoting Shareholder Transparency and Improving Corporate Governance in the Banking
Sector.................................................................................................................................................202
4.4.5. Broadening the Product Assortment of the Banking Services Market.................................204
4.4.6. Prudential Regulation Policies: the Long-Term Vision of Risk-Based Supervision and the
Short-Term Failure to Manage Foreign Currency Exposure..............................................................207
4.4.7. Foreign Bank Entry: Addressing Many Problems at Once...................................................209
4.5. Banking Market Evolution under the Impact of the Third Wave of Reforms ?.................212
4.5. J. Banking Sector Size..............................................................................................................212
4.5.1.1. Number of Commercial Banks......................................................................................212
4.5.1.2. Banking Sector Capitalization.......................................................................................214
4.5.1.3. The Deposit Base of the Banking Sector......................................................................217
Growing Maturities: a Healthy Development...........................................................................217
The Dollari2ation Trend Continued..........................................................................................219
4.5.1.4. Intercompany Loans: a Dangerous Growth Engine of Foreign Banks.........................222
4.5.1.5. The Asset Base of the Ukrainian Banking System.......................................................223
Factors behind the Demand for Bank Loans.............................................................................224
Supply Factors of the Market for Bank Loans..........................................................................225
Bank Lending Growth: A critical Analysis...............................................................................226
4.5.2. Ownership Structure Dynamics: The Rise of Foreign Banks and the Motives behind Their
Entry...................................................................................................................................................232
4.5.3. The Competitive Structure of the Banking Sector................................................................238
4.5.3.1. Bank Capital Concentration..........................................................................................238
4.5.3.2. Concentration of Non-Equity Funding Sources of the Banking Sector........................241
4.5.4. The Product Structure of Ukraine s Banking Services Market.............................................246
4.5.4.1. Retail Banking Products: a Powerful Growth Engine of Banking................................248
4.5.4.2. Non-Interest Bearing Products and Services.................................................................251
4.5.5. The Stability and Efficiency of Ukraine s Banking Sector during the Third Wave of
Transition............................................................................................................................................254
4.5.5.1. The Cost and Profit Efficiency of Ukraine s Banking System during the Third Wave of
Transition.............................................................................................,.........................................255
Cost Efficiency in Ukraine s Banking System..........................................................................256
Profit Efficiency in Ukraine s Banking System........................................................................259
Table of Contents
4.5.5.2. Banking System Stability during the Third Wave of Transition...................................262
Capital Adequacy......................................................................................................................262
Asset Quality.............................................................................................................................263
Dollarization, Funding and Currency Risks..............................................................................264
4.5.5.3. The banking crisis of 2008: a Case Study Demonstrating Key Roots and Channels of
Dissemination.................................................................................................................................265
4.6. Summary of Chapter 4...............................................................................................................269
5. SUMMARY AND CONCLUSIONS.........................................................273
5.1. The First Wave of Banking Reform..................................................................?......................273
5.2. The Second Wave of Banking Reform......................................................................................275
5.3. The Third Wave of Banking Reform........................................................................................277
5.4. Contribution of the Dissertation and Areas of Further Research..........................................280
6. APPENDICES.........................................................................................283
7. LITERATURE.........................................................................................306
CURRICULUM VITAE...................................................................................320
List of Figures
List of Tables
Table 2.1 THE MACROECONOMIC AND MONETARY ENVIRONMENT
DURING THE FIRST STAGE OF TRANSITION..............................................33
Table 2.2 BANKING SECTOR CAPITALIZATION DURING THE FIRST WAVE
OF TRANSITION.................................................................................................51
Table 2.3 BANKING SECTOR DECAPITALIZATION DURING THE FIRST
WAVE OF BANKING REFORMS......................................................................52
Table 2.4 BANK LENDING IN NOMINAL AND REAL TERMS DURING THE
FIRST WAVE OF TRANSITION........................................................................58
Table 2.5 THE OWNERSHIP STRUCTURE OF UKRAINE S BANKING SECTOR
BETWEEN 1991 AND 1994................................................................................61
Table 2.6 BANKING SECTOR FRAGMENTATION DURING THE FIRST
REFORM WAVE (ALL DATA AS AT 31.12.1994)...........................................64
Table 2.7 FOREIGN CURRENCY LOANS AND DEPOSITS DURING THE FIRST
WAVE OF TRANSITION....................................................................................76
Table 2.8 INTEREST INDICES IN UKRAINE S BANKING SYSTEM DURING
THE FIRST WAVE OF TRANSITION...............................................................79
Table 3.1 SELECTED MACROECONOMIC INDICATORS OF UKRAINE IN 1995
-2000....................................................................................................................88
Table 3.2 THE OWNERSHIP STRUCTURE OF UKRAINE S BANKING SECTOR
DURING THE SECOND STAGE OF TRANSITION.......................................128
Table 3.3 BANKS WITH 100% FOREIGN OWNERSHIP IN UKRAINE S
BANKING SYSTEM DURING THE SECOND STAGE OF TRANSITION... 131
Table 3.4 BANK ASSETS CONCENTRATION INDICATORS..............................136
Table 3.5 THE AGGREGATE INCOME OF THE COMMERCIAL BANKS
BETWEEN 1998 AND 2001..............................................................................144
Table 3.6 INTEREST RATES AND SPREADS IN UKRAINE BETEWEEN 1995
AND 2000...........................................................................................................146
Table 3.7 RESERVE REQUIREMENTS AND ACTUAL RESERVE ACCRUALS IN
UKRAINE S BANKING SYSTEM DURING THE SECOND STAGE OF
TRANSITION.....................................................................................................150
Table 3.8 CAPITAL ADEQUACY AND NON-PERFORMING LOANS IN THE
BANKING SYSTEM OF UKRAINE.................................................................151
Table 4.1 SELECTED MACROECONOMIC AND MONETARY INDICATORS
2000 - 2008 (PERCENTAGE EXCEPT WHERE INDICATED).....................163
Table 4.2 BANKING SECTOR CAPITALIZATION DURING THE THIRD STAGE
OF TRANSITION (at year-end).........................................................................215
Table 4.3 DYNAMICS OF BANK DEPOSITS DURING THE THIRD WAVE OF
BANK SECTOR REFORM................................................................................218
Table 4.4 INTERBANK BORROWED FUNDS DURING 2002 - 2008..................223
Table 4.5 AGGREGATE BANK LENDING DURING 2002 - 2008.........................227
Table 4.6 NUMBER OF BANKS BY OWNERSHIP TYPE DURING THE THIRD
WAVE OF REFORMS.......................................................................................233
Table 4.7 FOREIGN BANK ENTRY INTO THE BANKING SYSTEM OF
UKRAINE: MODE OF ENTRY, NATIONAL ORIGINS OF FOREIGN BANKS
AND ENTRY MOTIVATION............................................................................237
Table 4.8 BANK CAPITAL CONCENTRATION DURING THE THIRD STAGE OF
TRANSITION.....................................................................................................240
Table 4.9 NON-EQUITY FUNDING SOURCES OF BANKS.................................245
10
List of Figures
Table 4.10 DYNAMICS OF BANK LOAN CONCENTRATION BETWEEN 1994
AND 2007...........................................................................................................246
Table 4.11 BANK INCOME BY CATEGORY, 2002 - 2008....................................251
Table 4.12 COST-TO-ASSET RATIO OF THE BANKING SYSTEM, 2002 - 2008
.............................................................................................................................256
Table 4.13 INTEGRATED EFFICIENCY INDICATORS, 2002-2008...................261
Table 4.14 BANKING SYSTEM STABILITY INDICATORS. 2002 - 2008...........263
Table 4.15 THE RELATIONSHIP BETWEEN FOREIGN TRADE DEFICIT AND
FOREIGN CURRENCY HOUSEHOLD LENDING, 2002 - 2008...................265
List of Figures
List of Figures
Figure 2-1 NUMBER OF COMMERCIAL BANKS DURING THE FIRST WAVE OF
TRANSITION.......................................................................................................49
Figure 2-2 AGGREGATE BANK SECTOR DEPOSITS BETWEEN 1992 AND 1995
...............................................................................................................................53
Figure 2-3 THE CURRENCY STRUCTURE OF THE AGGREGATE BANK
SECTOR DEPOSITS FROM 1992 - 1994, BLN. COUPONS.............................55
Figure 2-4 THE TERM STRUCTURE OF BANK LENDING FROM 1991 to 1995 .59
Figure 2-5 AGGREGATE BANK SECTOR LENDING BETWEEN 1992 AND 1995
...............................................................................................................................60
Figure 2-6 BANKING STRUCTURE COMPOSITION IN 1994 (NUMBER OF
BANKS)................................................................................................................63
Figure 2-7 NOMINAL AND REAL INTEREST RATES DURING THE FIRST
STAGE OF TRANSITION IN PERCENT...........................................................78
Figure 2-8 AGGREGATE BANK CAPITAL-TO-LOANS RATIOS, %.....................80
Figure 3-1: THE MONETIZATION DYNAMICS IN UKRAINE DURING THE
SECOND WAVE OF TRANSITION...................................................................90
Figure 3-2 THE INTEREST RATE AND INFLATION IN UKRAINE FROM 1995
TO 2000 IN PERCENT.........................................................................................91
Figure 3-3 ANNUAL INFLATION AND LOCAL CURRENCY DEVALUATION
FROM 1995 TO 2000..........................................................................................92
Figure 3-4 MARKET ENTRY, EXIT AND TOTAL NUMBER OF BANKS (right
axis) IN THE BANKING SYSTEM BETWEEN 1991 AND 1999...................116
Figure 3-5 AGGREGATE BANK SYSTEM CAPITALIZATION DURING THE
SECOND STAGE OF TRANSITION IN ABSOLUTE VALUE AND AS % OF
GDP (right axis)..................................................................................................117
Figure 3-6 THE STRUCTURE OF THE COMMERCIAL BANKS LIABILITIES AS
OF MID - 2000....................................................................................................119
Figure 3-7 THE DYNAMICS OF BANK DEPOSITS-TO-GDP (RIGHT AXIS) AND
THE STRUCTURE OF BANK DEPOSITS BY THE ORIGIN OF FUNDS .... 120
Figure 3-8 THE STRUCTURE OF BANK DEPOSITS BY CURRENCY AND
MATURITY, MIO. UAH....................................................................................121
Figure 3-9 BANK ASSETS AS % OF GDP IN TRANSITION ECONOMIES OF
CENTRAL EASTERN EUROPE IN 1998.........................................................123
Figure 3-10 BANK LENDING DURING THE SECOND STAGE OF TRANSITION:
PUBLIC AND PRIVATE SECTOR LENDING AND AGGREGATE LENDING
AS % OF GDP (right axis)..................................................................................124
Figure 3-11 BANK LENDING BY MATURITIES AND CURRENCIES, MIO. UAH
.............................................................................................................................126
Figure 3-12 MARKET SHARE CONCENTRATION OF CORPORATE AND
HOUSEHOLD DEPOSITS AT THE END OF 1999 (HORIZONTAL AXIS:
NUMBER OF BANKS; VERTICAL AXIS: CUMULATED SHARE OF
DEPOSITS).........................................................................................................133
Figure 3-13 UKRAINE S BANKING SYSTEM S PROFITABILITY BETWEEN
1997 AND 2000..................................................................................................147
Figure 3-14 BANK SECTOR DEPTH AND COST-TO-WORKING ASSETS RATIO
IN SELECTED CEE-ECONOMIES IN 1998.........................................147
12
List of Figures
Figure 4-1 THE NUMBER OF COMMERCIAL BANKS IN UKRAINE BETWEEN
2000 AND 2008..................................................................................................213
Figure 4-2 BANK CAPITAL GROWTH BETWEEN 2002 AND 2008....................216
Figure 4-3 DEPOSIT STRUCTURE BY CURRENCY AND DEPOSIT INTEREST
RATES................................................................................................................221
Figure 4-4 THE STRUCTURE OF OUTSTANDING BANK LOANS DURING 2002
-2008...................................................................................................................229
Figure 4-5 THE STRUCTURE OF CORPORATE LENDING DURING THE THIRD
STAGE OF TRANSITION.................................................................................230
Figure 4-6 SHARE OFASSETS OF FOREIGN BANKS IN TOTAL BANK ASSETS
IN CEE VERSUS UKRAINE.............................................................................235
Figure 4-7 EVOLUTION OF THE STRUCTURE OF BANK ASSETS DURING 2002
-2008..................................................................................................................247
Figure 4-8 EVOLUTION OF THE STRUCTURE OF BANK LIABILITIES DURING
2002-2008.........................................................................................................249
13
List of Appendices
List of Appendices
APPENIDX 1 Episodes of hyperinflation in economic history..................................283
APPENDIX 2 Licensed services of commercial banks..............................................284
APPENDIX 3 Categorization of commercial banks by asset size..............................285
APPENDIX 4 Aggregate assets of Ukrainian banks during the third stage of transition
.............................................................................................................................286
APPENDIX 5 Aggregate deposits of Ukrainian banks during the third stage of
transition..............................................................................................................287
APPENDIX 6 Transition countries: GDP growth rate................................................288
APPENDIX 7 Transition countries: GDP per capita..................................................289
APPENDIX 8 Transition countries: Monetary depth..................................................290
APPENDIX 9 Transition countries: Inflation rates.....................................................291
APPENDDC 10 Transition countries: Total assets in the banking system..................292
APPENDIX 11 Transition countries: Total bank assets as a share of GDP................293
APPENDIX 12 Transition countries: Refinancing rate...............................................294
APPENDIX 13 Transition countries: Number of banks (out of them foreign owned)
.............................................................................................................................295
APPENDIX 14 Transition countries: Bank asset share of majority foreign owned
banks....................................................................................................................296
APPENDIX 15 Transition countries: Bank asset share of majority state-owned banks
.............................................................................................................................297
APPENDIX 16 Transition countries: Capitalization ratio..........................................298
APPENDIX 17 Transition countries: Concentration ratio..........................................299
APPENDIX 18 Transition countries: Intermediation ratio.........................................300
APPENDIX 19 Transition countries: Domestic credit to private sector.....................301
APPENDIX 20 Transition countries: Non-performing loans.....................................302
APPENDIX 21 Transition countries: EBRD index of banking sector reform............303
APPENDIX 22 Transition countries: EBRD index of securities markets and non-bank
financial institutions development.......................................................................304
APPENDIX 23 Transition countries: EBRD index of enterprise restructuring..........305
14
|
| any_adam_object | 1 |
| author | Novikov, Vitalij |
| author_GND | (DE-588)141009454 |
| author_facet | Novikov, Vitalij |
| author_role | aut |
| author_sort | Novikov, Vitalij |
| author_variant | v n vn |
| building | Verbundindex |
| bvnumber | BV036554268 |
| ctrlnum | (OCoLC)705653641 (DE-599)BVBBV036554268 |
| era | Geschichte 1991-2008 gnd |
| era_facet | Geschichte 1991-2008 |
| format | Thesis Book |
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| genre | (DE-588)4113937-9 Hochschulschrift gnd-content |
| genre_facet | Hochschulschrift |
| geographic | Ukraine (DE-588)4061496-7 gnd |
| geographic_facet | Ukraine |
| id | DE-604.BV036554268 |
| illustrated | Illustrated |
| indexdate | 2024-07-09T22:42:44Z |
| institution | BVB |
| language | English |
| oai_aleph_id | oai:aleph.bib-bvb.de:BVB01-020475742 |
| oclc_num | 705653641 |
| open_access_boolean | |
| owner | DE-355 DE-BY-UBR DE-188 DE-Met1 |
| owner_facet | DE-355 DE-BY-UBR DE-188 DE-Met1 |
| physical | 320 Seiten Diagramme, Tabellen |
| publishDate | 2010 |
| publishDateSearch | 2010 |
| publishDateSort | 2010 |
| publisher | Difo-Druck GmbH |
| record_format | marc |
| spelling | Novikov, Vitalij Verfasser (DE-588)141009454 aut The banking system of Ukraine in transition Vitaliy Novikov from the Ukraine Bamberg Difo-Druck GmbH 2010 320 Seiten Diagramme, Tabellen txt rdacontent n rdamedia nc rdacarrier Dissertations-Nr. 3699 ; Literaturverzeichnis: Seite 306-319 Disseration Universität St. Gallen 2010 Geschichte 1991-2008 gnd rswk-swf Transformation (DE-588)4451062-7 gnd rswk-swf Kreditwesen (DE-588)4032950-1 gnd rswk-swf Ukraine (DE-588)4061496-7 gnd rswk-swf (DE-588)4113937-9 Hochschulschrift gnd-content Ukraine (DE-588)4061496-7 g Kreditwesen (DE-588)4032950-1 s Transformation (DE-588)4451062-7 s Geschichte 1991-2008 z DE-188 HBZ Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=020475742&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Novikov, Vitalij The banking system of Ukraine in transition Transformation (DE-588)4451062-7 gnd Kreditwesen (DE-588)4032950-1 gnd |
| subject_GND | (DE-588)4451062-7 (DE-588)4032950-1 (DE-588)4061496-7 (DE-588)4113937-9 |
| title | The banking system of Ukraine in transition |
| title_auth | The banking system of Ukraine in transition |
| title_exact_search | The banking system of Ukraine in transition |
| title_full | The banking system of Ukraine in transition Vitaliy Novikov from the Ukraine |
| title_fullStr | The banking system of Ukraine in transition Vitaliy Novikov from the Ukraine |
| title_full_unstemmed | The banking system of Ukraine in transition Vitaliy Novikov from the Ukraine |
| title_short | The banking system of Ukraine in transition |
| title_sort | the banking system of ukraine in transition |
| topic | Transformation (DE-588)4451062-7 gnd Kreditwesen (DE-588)4032950-1 gnd |
| topic_facet | Transformation Kreditwesen Ukraine Hochschulschrift |
| url | http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=020475742&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |
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