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RESEARCH CENTER FOR INDUSTRIAL DEVELOPMENT PROBLEMS of NAS of Ukraine (KHARKIV, UKRAINE)

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ID R30-03156

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Liburkina L. M.

CATALOG

Financial Soundness of a Bank in the Context of Ensuring the Financial Security of the State
Kozachuk D. P.

Kozachuk, Diana P. (2026) “Financial Soundness of a Bank in the Context of Ensuring the Financial Security of the State.” Business Inform 9:744–744.

Section: Finance, Money Circulation and Credit

Article is written in Ukrainian
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UDC 336.71:338.2

Abstract:
The article examines the theoretical foundations and practical challenges of ensuring the financial soundness of commercial banks in Ukraine amid macroeconomic instability and wartime challenges. Despite the extensive body of research on bank financial soundness, practical approaches to developing a strategic toolkit for strengthening it under conditions of macroeconomic instability and wartime challenges remain insufficiently developed, particularly with regard to the relationship between the soundness of individual banks and the financial and economic security of the State. The aim of the study is to identify the key aspects of ensuring the financial soundness of commercial banks in Ukraine and to substantiate strategic instruments for strengthening it based on a risk-based approach. The study is based on system and risk-based approaches, as well as methods of analysis, comparison, systematization, and generalization. A retrospective analysis of the Ukrainian banking sector for 2006–2026 was conducted using publicly available data from the National Bank of Ukraine, and an author-developed risk map was constructed. The study identifies the key factors contributing to overcoming the consequences of systemic crises, among which the risk-based approach, stress testing, and the implementation of European regulatory standards play a leading role. Structural imbalances in the banking sector were identified, and a set of strategic instruments was proposed, including reducing excessive concentration in government securities and accelerating the digital transformation of banks. The study substantiates the need to integrate the risk-based approach into the strategic management system of bank financial soundness and demonstrates its relationship with ensuring the financial and economic security of the State. The scientific novelty lies in systematizing key risks and developing a strategic toolkit for strengthening bank financial soundness, taking into account current macroeconomic and wartime challenges. The proposed recommendations can be used by banks and the regulator to improve risk management, maintain long-term solvency, stimulate lending, and enhance the soundness of the banking sector.

Keywords: banking system; financial resilience; macroeconomic turbulence; risk-oriented approach; lending; compliance.

Fig.: 3. Bibl.: 21.

Kozachuk Diana P. – Masters Student, Kyiv National Economic University named after Vadym Hetman (54/1 Beresteiskyi Ave., Kyiv, 03057, Ukraine)
Email: [email protected]

List of references in article

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