Scientific article

Features of banking planning in the current environment

Єгоричева, Світлана Борисівна

Vovchenko, Oksana

Yehorycheva, Svitlana

The relevance of this study stems from the need to adapt the planning of banking activities to conditions of heightened uncertainty, digitalisation and stricter regulatory requirements. The aim of this article was to justify contemporary approaches to the planning of banking institutions’ activities and to identify ways of improving the efficiency of planning processes in an unstable environment.

The relevance of this study stems from the need to adapt the planning of banking activities to conditions of heightened uncertainty, digitalisation and stricter regulatory requirements. The aim of this article was to justify contemporary approaches to the planning of banking institutions’ activities and to identify ways of improving the efficiency of planning processes in an unstable environment. The research methodology is based on the use of general scientific and specialised methods of cognition, in particular methods of analysis and synthesis, generalisation, the systems approach, comparison and logical modelling, which enabled a comprehensive investigation of the specific features of bank planning. The study found that the modern planning system in banks is comprehensive and hierarchical in nature, covering strategic, tactical and operational levels of management. It was established that, in conditions of instability, the key characteristics of planning are flexibility and adaptability. It was found that the integration of a risk-oriented approach is a defining trend in the development of planning processes, which involves taking risks into account at all stages of planning. It has been demonstrated that the use of tools such as stress testing, the internal capital adequacy and liquidity assessment process, as well as business recovery plans, contributes to enhancing the financial resilience of banks. It has been established that digitalisation and regulatory requirements are significantly transforming approaches to planning, increasing its analytical depth and accuracy. Conclusions. The practical significance of the research findings lies in their potential use by banking institutions to improve their business planning systems, enhance the effectiveness of risk management, ensure financial stability, and adapt to the current challenges facing the banking sector.

регуляторні вимоги

ризик-орієнтований підхід

фінансова стійкість

управління ризиками

digitalization

regulatory requirements

risk-based approach

financial stability

risk management

Міжнародний класичний університет імені Пилипа Орлика

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