БЕЗПЕКООРІЄНТОВАНА БІЗНЕС-МОДЕЛЬ ФІНАНСОВОГО МЕНЕДЖМЕНТУ КОНКУРЕНТНОЇ СТРАТЕГІЇ ІННОВАЦІЙНОГО РОЗВИТКУ СУБ'ЄКТІВ БАНКІВСЬКОЇ СИСТЕМИ
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Надіслано: 07-04-2025
Опубліковано: 30-06-2025
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Анотація
У статті здійснено поглиблений аналіз безпекових аспектів фінансового менеджменту в банках України, зокрема з акцентом на конкурентну стратегію та інноваційний розвиток суб'єктів банківської системи. За допомогою розрахунку ключових коефіцієнтів фінансової стійкості, зокрема коефіцієнтів надійності, фінансового важеля, захищеності капіталу та мультиплікатора капіталу для трьох провідних банків – Акціонерне товариство комерційний банк «Приватбанк», Акціонерне товариство «Ощадбанк» та Акціонерне товариство «Райффайзен Банк», досліджено, як фінансова стійкість і здатність до інновацій можуть бути інтегровані в стратегії безпеки та розвитку цих установ. Зокрема на основі розрахунку динаміки фінансових показників за період 2021-2025 років виявлено вплив внутрішніх і зовнішніх чинників на фінансову стійкість банків, що демонструють різні рівні адаптації до економічних змін і здатність до інноваційних трансформацій. Розрахунки показують, як ефективність використання власного капіталу та управління фінансовим важелем можуть служити індикаторами для покращення безпеки банківської діяльності та підвищення конкурентоспроможності на національному й міжнародному рівнях. Визначено, що застосування безпекоорієнтованої бізнес-моделі дозволяє банкам не лише зберігати свою стійкість у конкурентному середовищі, а й ефективно інтегрувати інноваційні стратегії розвитку.
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