ТЕНДЕНЦІЇ РОЗВИТКУ БАНКІВСЬКОЇ СИСТЕМИ УКРАЇНИ У КОНТЕКСТІ СУЧАСНИХ ВИКЛИКІВ

The article examines the dynamics of Ukraine’s banking system under martial law, focusing on key indicators from 2018 to 2023. It analyzes changes in the number of banks, net assets, capital, liabilities, and key financial indicators such as income, expenses, and net financial results. Special attention is given to the dynamics of return on assets and capital, assessing the effectiveness of banks in a changing economic environment. The article also highlights the impact of hostilities and external factors on the financial stability of the banking sector and its ability to adapt to new challenges. It discusses measures taken by the National Bank of Ukraine (NBU) to support liquidity, ensure financial security, and stabilize the banking sector during the war. These measures helped banks provide uninterrupted financial services, maintain high operational efficiency, increase capital, and sustain their networks. The role of state-owned banks in supporting the economy, their participation in state lending programs like ‘Affordable Loans 5-7-9%’, and the development of FinTech innovations such as mobile services, blockchain, and cryptocurrencies are analyzed. These technologies strengthen the competitiveness of banks. The article also estimates the financial losses of banks due to hostilities and provides forecasts for the recovery of the banking system and economic activity post-conflict. It concludes that the banking sector plays a critical role in stabilizing the economy during the war and forms the foundation for its recovery and growth, emphasizing the importance of reforms and innovation in post-war economic recovery