ФОРМУВАННЯ РЕСУРСНОЇ БАЗИ БАНКІВСЬКИХ УСТАНОВ В УМОВАХ НЕВИЗНАЧЕНОСТІ

This study explores how Ukrainian banks have adjusted their funding strategies during the full-scale war that began in February 2022. The research focuses on key factors that influenced changes in the structure of bank liabilities, such as shifts in depositor behavior, monetary policy responses by the National Bank of Ukraine, inflows from international partners, and the transformation of deposits by currency and maturity. The resilience of the banking system is attributed to swift and targeted stabilization measures — particularly the expansion of deposit insurance for individuals, restrictions on currency transactions, improved access to central bank liquidity, and interest rate adjustments aimed at preserving financial stability. The findings highlight the central role of customer deposits, with substantial growth in hryvnia-denominated accounts and a stronger market position for state-owned banks. Additionally, the issuance of patriotic savings products supported wartime funding needs. At the same time, the research points to ongoing challenges, including dependence on short-term resources, gradual decline in foreign currency deposits, and increasing competition from government bonds. Empirical data show that total client deposits grew by more than 85% during the war period, while hryvnia savings gained significant momentum. Based on these findings, the study suggests policy directions to improve funding resilience: diversification of deposit portfolios, lengthening of funding terms, engagement with the Ukrainian diaspora, and digital tools to enhance remote deposit attraction