Factors of influence on the financial stability of banks in Ukraine

Анотація

Introduction. In the context of increasing global financial uncertainties, ensuring the financial stability of banks becomes crucial for the economic security of Ukraine. The stability of the banking system has a direct impact on the country's investment attractiveness, the stability of the national currency, and the trust of investors and citizens in financial institutions. In this context, the analysis of factors that affect the financial stability of banks is relevant, since understanding these factors allows for the formation of strategies to minimize risks and increase the overall stability of the financial system. This article draws attention to the interrelationships between macroeconomic and microeconomic processes in the context of their impact on banking stability, with a particular focus on the challenges faced by banks in Ukraine. The purpose of the article. The purpose of the study is to identify and analyze external and internal factors that affect the stability of the banking system, and to develop recommendations for managing these factors to improve financial stability. Research methods. The methods of system analysis, classification, and comparative analysis were used for the analysis. The use of these methods allows for a comprehensive assessment of the impact of various economic and organizational factors. The results. The study determined the importance of both external and internal factors in shaping the financial stability of banks. Among the key external factors, the impact of global economic trends, changes in legislation, exchange rate fluctuations and the economic policy of the state was revealed. Internal factors include management strategies, the quality of the bank's assets, the level of corporate governance and innovative activities. Special attention is paid to the analysis of the impact of the bank's internal processes on its ability to adapt to economic fluctuations. As a result of the study, recommendations were formulated for improving risk management systems, in particular through the implementation of advanced IT solutions for risk monitoring and analysis. It is also emphasized the need to increase the transparency of banks' activities and increase the financial literacy of clients as factors for strengthening trust in financial institutions.

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