Modeling the development of the economic systems - 2025 рік

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https://elar.khmnu.edu.ua/handle/123456789/18101

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Перегляд Modeling the development of the economic systems - 2025 рік за Автор "Gordeeva, Tetyana"

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  • Ескіз
    Документ
    Analytical and practical aspects of banks expenses' forming
    (Хмельницький національний університет, 2025) Khrushch, Nila; Gordeeva, Tetyana
    The article substantiates theoretical and methodological approaches and applied aspects of forming bank expenses in martial law conditions and banking system transformation. It has been proven that bank expenses cannot be considered an isolated financial indicator but a complex and strategically important element of banking institution management. It is emphasised that the structure and efficiency of cost formation determine the stability of the banking system, its level of financial stability and its ability to adapt. Based on an analysis of the macroeconomic indicators of the banking system of Ukraine and the activities of PJSC AB “Pivdenny”, trends in the volume and structure of costs are outlined, and reserves for their optimisation are identified. Directions for improving cost formation processes are proposed, particularly the introduction of adaptive budgeting, digitisation of operations, differentiation of costs according to their strategic value, and centralisation of non-core functions. It is argued that cost optimisation should be viewed not only as a cost-saving tool, but also as a strategic factor in improving the competitiveness and sustainability of banks in the current environment.
  • Ескіз
    Документ
    Features of the functioning of state banks in the ukrainian banking services market
    (Хмельницький національний університет, 2025) Larionova, Katerina; Gordeeva, Tetyana
    The article examines the peculiarities of the functioning of Ukrainian state-owned banks in martial law conditions and global financial instability. Attention is focused on the strategic role of state-owned banks in ensuring financial security and supporting the country’s economy in crisis conditions. It highlights the transformation of their role from traditional intermediaries to instruments of crisis management and stabilisation of the national economy. It analyses structural changes in the banking sector of Ukraine, particularly the nationalisation of leading financial institutions, and identifies the consequences of asset concentration in the public sector. The ability of state-owned banks to perform a countercyclical function in times of economic turmoil by supporting lending to businesses and the population, even at increased risks, is emphasised. It is stressed that, at the same time, the high share of state participation in the banking sector creates several challenges: the threat of monopolisation, restrictions on competition and the risk of political influence on credit policy. Particular attention is paid to the problem of non-performing loans (NPLs), the trend towards their reduction and the impact on the loan portfolio’s quality. The article substantiates the need to reform and optimise the activities of state-owned banks, considering international experience and current challenges, and proposes ways to improve the activities of state-owned banks in Ukraine during the war. It concludes that these institutions can become drivers of Ukraine’s post-war economic recovery, provided their work is effectively coordinated with the government and regulators, modern management approaches are implemented, and international banking regulation standards are gradually adopted.