The main risks that threaten the stability of the banking system in Ukraine
 2009 is the return of funds for loans, debentures
 to foreign creditors, fluctuations in exchange rate to the dollar.
 The economic crisis has revealed the presence in the banking sector structural
 imbalance that hinders its development and exacerbates the risks associated with
 implementation of the banking strategy.  These imbalances are gap
 funding of banking operations, liquidity imbalances, currency,
 excess of bank branches.

 In Ukraine, as in most post-Soviet countries, the level of costs
 the level of savings.  This leads to a significant spread
 practice of financing bank assets as liabilities
 deposits with banks.  I must say that the business model of Ukrainian banks
 provided funding for corporate loans by retail
 deposits.  Developing retail banking, banks focus on the
 credit products, which led to a dangerous gap in
 financing: loans covered by deposit only two-thirds.  In
 period of low interest rates in international markets and availability
 funding for this strategy of domestic banks did not create significant
 risks.  But in times of crisis and limited liquidity in global markets
 capital dependence on external financing limits