Conceptual approaches to improving the management of the bank's resource potential in the context of financial instability

Abstract

The article analyses the role of banks' resource potential as a key factor in ensuring financial stability and sustainable economic development. Particular attention is paid to financial and non-financial resources, such as capital, reputation and brand, as well as to the balanced management of these assets. The mechanisms of attracting resources through effective planning, cost management and optimisation of the structure of assets and liabilities, which contribute to the growth of investment activity of banks, are investigated. It is determined that the main tasks are risk monitoring, liquidity management, diversification of funding sources and improvement of bank asset management systems. Particular attention is paid to the need for banks to adapt to the changing economic environment, including the introduction of innovative technologies and new approaches to capital management in the context of financial instability. It is emphasised that the development of a strategy for attracting resources aimed at increasing the capitalisation and concentration of banking capital is an important tool for achieving the sustainability of the banking system. The main goal of resource potential management is to provide banks with sufficient resources for their stable operation and to effectively counteract external challenges. The importance of this is confirmed by the need to develop conceptual approaches to attracting both domestic and foreign investment, introducing competitive conditions for clients, and creating regulatory conditions that increase attractiveness in the capital market. The measures proposed in the concept allow strengthening the position of banks in the domestic market and facilitating their integration into the global financial system.