Dynamics of resource and credit flows of the banking system of Ukraine in 2025 from the point of view of the financial security factor

Introduction. The article analyzes the results of bank activity for the first half of 2025, their contribution to the stability of the economy during full-scale aggression against Ukraine. The problematic issues of the institutional development of the banking system are raised, which need to be resolved for the economic recovery of the economy. Approaches to measuring the confidence of business and households in the monetary policy of the National Bank of Ukraine are proposed. Problem Statement. Assessment of the quality of the strategy for regulating monetary circulation in the country by measuring the level of confidence of households and businesses in the banking sector. The authors' calculations make it possible to compare financial results by clusters of banks in dynamics: state-owned banks, banks of foreign financial groups and banks with private capital. The purpose is to formulate proposals for the further legislative and institutional development of the banking sector in the context of increased requirements for financial security based on an analysis of the efficiency and level of trust in the work of state-owned banks for the first half of 2025. Methods. General scientific and special methods were used: analysis, synthesis, grouping, description, comparison, theoretical generalization and abstract-logical. Results. The dynamics of changes in the resource base of banks based on funds from legal entities and individuals, as well as credit and investment portfolios in the context of the macroeconomic policy of the National Bank of Ukraine, which influenced the development of banks in the first half of 2025, were analyzed. The importance of continuing cooperation between the Government and international financial organizations was emphasized. Conclusions. Institutional changes in the development of the state-owned banks were proposed in order to increase capitalization and expand long-term lending to the economy. The need and methods of attracting foreign capital to direct investments in the banking sector were substantiated. It is proven that the financial security of Ukraine should be based on a transparently managed sector of financial institutions that have a long-term development strategy along with a transparent mechanism for assessing the quality of management based on the dynamics of increasing the resource base and investments in the real sector of the economy.