Object – Depoіsit Activities of the banks in Ukraine. Purpose – justification of theoretical and methodological principles of effective management of banking risks and develop practical recommendations for improving the effectiveness of management of banking risks in the financial crisis. Methods - scientific abstraction, analysis, synthesis, induction, deduction, comparison of theoretical generalization, grouping, structural analysis, historical, system analysis, sampling, macroeconomic analysis of markets, neural modeling, formalization, design, abstract logic. Results - update the concept of banking risks and the development of scientific and practical recommendations to improve the effectiveness of risk management in the banking crisis. Novelty - the term "bank risk" is interpreted as the probability of a deviation from the planned (expected) performance of the bank through its active and passive operations, their organization, the state of corporate governance and environmental factors, the effects of which may be negative, zero or positive, which, in contrast from existing treatments, identifies causes and risk factors of the bank; reasonably directions update the concept of banking risks in the financial crisis, which are zonal in determining levels of banking risks and the development of new tools of external influence on the efficiency of banking risks; New approaches to the formation of a transitional balance sheet of the bank through the formation of its obligations guaranteed sums of deposits of individuals and the formation of high-quality assets, liquid assets, which have to cover the difference between the liabilities and the amount of contributions made by the bank as Deposit Guarantee Fund of individuals that will allow insolvent banks in the financial crisis to improve its financial position and continue its business activities; were further developed classification of financial crises due to the introduction of criteria signs of "financial crisis risk factor," which identifies the type of risk, becoming the main cause of a crisis that makes it possible to investigate financial instability considering cause-effect relationships, contributes to the improvement of the system analytical indicators forecasting and early response mechanisms; revealed the presence of economic conditions for the formation of new banks, which have high levels of neutralizing risks; improved method for determining the integral index of evaluating the effectiveness of management of banking risks, taking into account the current financial condition of the bank and effectiveness of financial, operational and functional risks of the bank to facilitate more accurate assessment of the current level of financial stability of the bank; Methodical approach to differentiation of insurance coverage on deposits of individuals depending on the deposit interest rate and the size of the regular contribution to the Fund Deposit Guarantee - depending on the value of the integral index evaluating the effectiveness of management of banking risks, which will reduce interest rate risk and motivate banks to improve performance management of banking risks; improved assessment of individual credit risk of the borrower through the introduction of technology in scoring neural model of the bank, thus increasing the efficiency of determining the creditworthiness of the borrower in the financial crisis; were further developed tools and organizational and economic principles to improve the efficiency of banking risk management, including: risk optimization responsibility centers singled out by the bank, using the principle of zonal management of banking risks, the use of operational risk management activities for its constituents, and the introduction of procedures bankashurensa sek'yurytyzatsiyi bank assets. They are implemented in in practice the Main Scientific Expert Department of the Verkhovna Rada of Ukraine, the Office of the National Bank of Ukraine in the Dnipropetrovsk region, the Private Joint Stock Company «Ukrainian Interbank Currency Exchange», PJSC CB «Land capital» Dnipropetrovsk regional administration, PJSC «UkrSibbank», Dnepropetrovsk Oblast Directorate of PJSC «Raiffeisen Bank Aval», regional department of PJSC «Subsidiary Bank Sberbank of Russia» in. Mykolaiv, limited liability company «In-Factor», «Investment Management», «Universal Finance», «Alliance Finance». Scope – activity profile of Committee on Financial Policy and Banking, Association of Ukrainian Banks, the Deposit Guarantee Fund of individuals.
