FINANCIAL SUPPORT FOR PRIORITY SECTORS OF UKRAINE’S ECONOMY THROUGH STATE BANK LENDING MECHANISMS

Анотація

The role of state commercial banks of Ukraine in financial support of priority economic sectors under conditions of full-scale war and transformational changes has been investigated.The dynamics of the banking sector have been analyzed, as a result of which a reduction in the number of banks from 184 in 2009 to 61 in 2025 has been established, changes in the branch network have been identified, and the financial results of seven state banks for 2020-2024 have been determined.Particular attention has been paid to the effectiveness of the state program "Affordable Loans 5-7-9%" -the largest instrument for supporting small and medium-sized businesses, which provided over UAH 360 billion in lending for 2020-2024.The activities of JSC "Oschadbank" as a systemic state bank have been examined in detail, in particular its participation in the eOselya program, agricultural sector lending, and support for socially vulnerable population groups has been determined.The dynamics of the share of non-performing loans (NPL), return on assets and equity indicators, and the structure of the banking system's loan portfolio have been analyzed.Key problems have been identified, among them regulatory instability, dollarization, insufficient digitalization, and corruption risks.Proposals have been formulated to improve the efficiency of state banking lending under martial law and post-conflict recovery conditions.

Класифікація

Ідентифікатори

Схожі роботи