Alina Yefimenko

Sumy State University, Ukraine

CV: Education 29.12.2018 - master's degree of "Finance, banking and insurance"; Sumy State University,(Banking); June 30, 2018, bachelor's degree of "Law" in State University; since October 1, 2020, - PhD student of "Economics". Work experience Since 01/21/2020 – credit expert at Raiffeisen Bank Aval JSC; 28.01.2019-29.10.2019 – customer service specialist of the Sumy branch of JSC CB "Privatbank";01.12.2017-27.01-2019 – consultant of JSC CB "Privatbank". I have more than 10 publications, participated in conferences, have language certificates. Participation in all-Ukrainian and international scientific conferences: Summer school "European grant projects: the experience of Poland" (September 9-12, 2021, Sumy State University) and etc.

Presentation title: Research of the influence of banking capitalization on the level of money laundering as an economic destabilizing factor

Abstract: The subject of the research is a set of theoretical, methodical and practical provisions regarding the processes arising in the banking capitalization. The object of the study is the banking capitalization as a system-forming factor of macroeconomic stability. The purpose of the work is to assess the impact of capitalization on the level of legalization of the population's income as one of the indicators of the shadow economy, as this will enable institutions to develop an effective resource policy. The dependent variable is the income laundering indicator. Capitalization is a buffer to cover the risk of default of the institution, and is also an indicator of stability and stability of the banking system. From the point of view of behavioral aspects, capitalization can be considered as the public funds mobilization, taking into account the reduction of the shadow economy level. It was determined that with an increase in the ratio of bank deposits to GDP by 1%, the value of the money laundering indicator increases by 1.92 units, and an increase in the profitability of the bank's equity by 1% leads to a decrease in the index by 2.14 units.