RESOURCES OF BANKING INSTITUTIONS: EFFECTIVE USAGE DURING MARTIAL LAW

Abstract

It has been researched in the article the efficiency of using the resources of banking institutions in Ukraine under martial law, which is extremely relevant in the context of increasing macroeconomic uncertainty, increasing financial risks and changing the structural characteristics of the banking system. An analysis of key financial indicators, as well as prudential standards, reflecting the stability and efficiency of managing the resource base of banks during the period of crisis challenges, was conducted; it was found that, despite the challenges from the external environment, Ukrainian banks are characterized by financial stability. Maintaining capitalization standards, controlling credit risks, increasing operational efficiency and supporting liquidity have become key factors that have ensured the adaptation of the banking sector to new conditions. An assessment of the efficiency of using the resources of banking institutions in Ukraine under martial law was carried out, which allowed us to outline key problems, including a decrease in the share of lending due to increased insolvency risks, volatility of profitability and instability of individual prudential standards. At the same time, the banking system managed to maintain capitalization stability and maintain profitability thanks to an adaptive resource management policy, which is the basis of the stability of the sector. To further increase the efficiency of resource use, it is necessary to develop flexible credit strategies taking into account the risk profile of clients, strengthen control over compliance with regulations, optimize operating expenses through digitalization, and diversify assets to reduce risk concentration. The implementation of these measures will contribute to strengthening the financial stability of banks, their ability to adapt to complex economic challenges, and increase the role of the banking sector in the restoration of the Ukrainian economy in wartime conditions. A comprehensive approach to assessing efficiency is proposed, which takes into account the dynamics of capitalization, liquidity, credit risk, and operating activities, which allows us to identify the main problems and ways to increase the financial stability and adaptability of the banking system in martial law.