Financial Stability as a Component of the Economic Security of the Banking System of Ukraine

Abstract

The article examines financial stability as a key component of the economic security of Ukraine’s banking system under conditions of increased macroeconomic uncertainty, military risks, and structural transformations of the economy. It is substantiated that the level of financial stability of the banking sector directly affects the state’s ability to counter internal and external threats, ensure the continuity of financial intermediation, and maintain public and business confidence in the banking system.

The study analyzes the main determinants of financial stability of the banking system, including capital adequacy, liquidity, asset quality, the level of non-performing loans, as well as the effectiveness of banking supervision and regulatory policy. Particular attention is paid to the role of the state and the central bank in ensuring macrofinancial balance, implementing anti-crisis regulation, and introducing preventive instruments for responding to systemic risks.

It is proven that the financial stability of the banking system acts not only as a result of effective economic policy but also as an active instrument for strengthening the economic security of the state. The paper concludes that there is a need for a comprehensive approach to financial risk management, enhancement of the institutional capacity of the banking sector, and adaptation of the regulatory framework to contemporary challenges in order to ensure sustainable economic development of Ukraine.