ANALYSIS OF THE PROFITABILITY OF JSC "KREDOBANK" AND WAYS TO INCREASE IT IN CONDITIONS OF ECONOMIC INSTABILITY

Анотація

The issue of maintaining high enterprise profitability becomes particularly significant under conditions of economic turbulence and changing market dynamics. Efficient management of profitability acts as a critical determinant of a company’s competitiveness, financial resilience, and long-term strategic development. This paper explores the core economic functions of profit, its classification, and its role in financing the bank’s growth, while also analyzing how profitability and return indicators correlate with the overall efficiency of business operations. It is highlighted that profit reflects the outcomes of investment and financial decisions, serves as a foundation for self-financing, supports expanded reproduction, and contributes to employee motivation. The study also considers internal and external determinants of profitability, including asset structure, cost levels, loan portfolio quality, income diversification, and macroeconomic influences. To demonstrate practical application, the financial performance of JSC Kredobank for 2022–2024 is analyzed, focusing on return on assets, return on equity, total asset profitability, net interest margin, operational efficiency, and overall financial results. The findings indicate strong positive development of key performance indicators in 2023, followed by a moderate decline in 2024. The article outlines practical measures for improving profitability, such as optimizing asset allocation, enhancing cost control, strengthening capital management efficiency, expanding digital banking channels, diversifying revenue sources, and implementing crisis-resilient financial policies. The study concludes that profitability and return indicators represent fundamental metrics for evaluating enterprise performance, shaping its financial soundness and investment appeal, and therefore necessitate continuous monitoring and analytical evaluation. Future research may further develop forecasting tools for profitability across different economic sectors and investigate the influence of macroeconomic fluctuations on enterprise efficiency.

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