Uman National University | today: 06/19/2025
| Author(s) |
Melnyk К. М., , , Щербатюк О. М., , , |
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|---|---|---|---|
| Category | Economics | ||
| year | 2025 | issue | Випуск 106 Частина 2 |
| pages | 396-404 | index UDK | 336.71.009.12 | DOI | 10.32782/2415-8240-2025-106-2-396-404 (Link) |
| Abstract | The article examines the theoretical, methodological, and practical foundations for enhancing the competitiveness of commercial banks in Ukraine amid the transformation of the financial environment and the digitalization of the banking sector. The authors identify bank competitiveness as a critical component of national banking system reform and underscore its significance for the stable functioning of the financial market. Particular attention is devoted to such factors as the development of innovative financial products, improvement of service infrastructure, enhancement of personnel competencies, and the maintenance of capitalization, liquidity, and financial stability in banking institutions. The study argues that strategic management oriented toward digital transformation, internal process optimization, and customer loyalty enhancement is essential for ensuring success in a highly competitive environment. Special emphasis is placed on the application of advanced digital technologies—especially artificial intelligence—for analyzing customer financial behavior and monitoring transaction security. Such tools help reduce fraud risks and enable the delivery of high-quality, personalized financial services. Based on the conducted analysis, the authors propose a set of practical measures to strengthen the competitiveness of commercial banks. These include improving liability management, expanding the resource base through term deposits, increasing Tier 1 capital, and reducing reliance on interbank borrowing. In the lending domain, it is recommended to decrease reserve allocations by improving the structure of classified loans, balance lending and interest income, and expand the use of refinancing and REPO operations to support banking system liquidity. The findings of this study may be applied in strategic planning, risk management, business model development, and the expansion of digital financial services by commercial banks. | ||
| Key words | competitiveness, commercial bank, liquidity, financial stability, regulatory capital, discount rate, credit, deposit | ||