FORMATION OF A BANK’S RESOURCE BASE: CURRENT STATUS AND WAYS TO STRENGTHEN IT
Abstract
The article examines the current state of formation and management of the resource base of banks in Ukraine and substantiates its importance for ensuring the financial stability, liquidity, and competitiveness of the banking system under conditions of economic uncertainty and financial market transformation. The study focuses on the evolution of banks’ funding sources, including own capital, attracted funds, and borrowed resources, and analyzes the structural features of liabilities that determine the ability of banks to perform active operations and maintain sustainable development. Special attention is paid to the analysis of modern trends in the formation of the resource base, particularly the growing role of digital technologies, remote banking services, fintech solutions, and innovative financial instruments that influence the diversification and optimization of funding sources. The research also considers the transformation of traditional banking models caused by digitalization, which changes the mechanisms of attracting deposits, managing liquidity, and maintaining long-term financial stability. The paper identifies key challenges that currently affect the effectiveness of resource base formation in Ukrainian banks. Among them are the predominance of short-term deposits in the structure of liabilities, limited opportunities for long-term funding, uneven access of banks to financial resources, insufficient development of the domestic capital market, and the need to improve technological infrastructure for effective resource management. In addition, the study emphasizes the importance of strengthening trust in the banking sector and improving customer relationship management as important factors in expanding the deposit base. The research proves that ensuring a stable and balanced resource base requires a comprehensive approach that combines strategic planning, effective risk management, technological modernization, development of digital banking services, and implementation of innovative financial instruments. An important role is also assigned to state regulatory policy aimed at strengthening financial stability, stimulating investment processes, and creating favorable conditions for the development of the banking sector.
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