STUDY OF THE EFFICIENCY OF THE FUNCTIONING OF BANKING INSTITUTIONS OF UKRAINE UNDER THE CONDITIONS OF THE MARITAL STATE

Abstract

Military and political factors significantly complicated the economic situation in Ukraine, contributed to the deepening of the economic crisis, which was reflected in the banking sector of Ukraine. The work of banking institutions was reformatted, which was significantly reflected in their financial results. An accurate and objective diagnosis of the state of the banking system will reveal the directions of further development of banking institutions in the conditions of a long war, which determined the relevance of the research topic. The purpose of the article is to analyze and evaluate the effectiveness of the functioning of banking institutions of Ukraine under martial law. To achieve the goal of the research, general scientific methods were used: analysis and synthesis, logical generalization, retrospective and graphic method, system method. The conditions of operation of banks, their main performance indicators and efficiency on the eve of military aggression are analyzed. It was determined that with the beginning of hostilities, despite the reduction in the number of banking institutions, the banking sector began to adapt to unfavorable operating conditions. The conducted study of the peculiarities of the functioning of domestic banks under the conditions of martial law showed that despite the sharp drop in the level of profitability, the banking system showed financial stability, liquidity and profitability. This was achieved thanks to the reforms carried out in previous years, restructuring of banking business models, timely measures of the NBU. The article identifies potential threats that will affect the banking sector of Ukraine and determines that a timely response to them will save the bank's capital from losses and form further directions for the search for sources of profitability of the banking business. The practical significance of the obtained results is revealed in the results of the diagnosis of the state of the domestic banking sector and the possibility of their further use for the development of a strategy for restoring the potential of the domestic banking sector in post-war conditions.