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Management of the bank's credit portfolio under the conditions of the state of martial
(Луцьк: ЛНТУ, 2023) Nikolaieva, Anzhela
The article analyzes the peculiarities of the formation of credit portfolios of banks taking into account the influence of new global challenges, reveals the specifics of credit activity of banks in the conditions of the new reality, defines the main stages of credit portfolio management and the corresponding set of measures of the bank in the conditions of martial law with the aim of optimizing the credit portfolio and minimizing its risks. The main goal of the study is to identify peculiarities in the formation of the bank's credit portfolios, taking into account the impact of new threats, and to determine the main actions of the bank at various stages of credit portfolio management in order to optimize it and minimize risk under martial law. The systematization of literary sources and approaches to solving this problem showed that the issue of maintaining the appropriate level of quality of the loan portfolio in banks from the point of view of risks is constantly under the control of specialists and experts of the National Bank of Ukraine and is periodically studied by domestic and foreign scientists. However, there are still relevant issues that, in our opinion, require further research, in particular, the problem of increasing the efficiency of loan portfolio management under martial law conditions. The urgency of solving this scientific problem lies in the fact that with the beginning of full-scale military aggression, there is a deterioration in the quality of credit portfolios of banks from a risk perspective, which may further lead to an increase in systemic risks and the development of crisis phenomena in the banking sector and other areas of the economy. The study of the problem was carried out in the following logical sequence: first, the state of credit development in Ukraine was analyzed, taking into account the impact of such global challenges as the coronavirus pandemic and full-scale military aggression on the territory of our country; the influence of the economic and political situation in the country on the specifics of the formation of credit portfolios of banks is revealed, the main stages of credit portfolio management are determined, and a set of bank measures aimed at optimizing the credit portfolio and minimizing its risks under martial law conditions is summarized. The methodological tools of the research were: systematic approach, methods of analysis and synthesis, logical generalization, comparison, etc. The banking sector of Ukraine was chosen as the object of research, and the subject – indicators of credit activity of banks. The results of the study can be used in the analysis of banks' credit risk management strategy. Summarizing and defining the necessary set of measures of the bank at various stages of managing the credit portfolio in the conditions of the introduction of martial law is aimed at minimizing credit risks and increasing the profitability of the credit portfolio.
The insurance services market in Ukraine: problems and determinants of development in the conditions of digitization of the economy
(Луцьк: ЛНТУ, 2023-05-23) Nikolaieva, Anzhela
The article examines the current state and features of the domestic insurance services market development, identifies and systematizes key problems in the field of insurance, indicates ways to solve them, and outlines the main determinants of the development of the insurance market in the context of digitalization of the economy. The purpose of the study is to identify and systematize the key problems of the insurance services market development in Ukraine, determine the ways to solve them and the determinants of the insurance market development in the context of digitalization of the economy. The study and systematization of literary sources and official reports of the NBU on the coverage of this issue testifies to the constant interest in this market segment among scientists and experts in the insurance field, and the need for further research to determine the main determinants of the activation of the insurance market development in the post-war period and in the context of further digitalization of the economy. The relevance of solving this scientific problem lies in the fact that recently there has been deterioration in the main indicators of the insurance market development in Ukraine, which, in our opinion, does not sufficiently fulfil its role in protecting and stabilizing the national economy. The study of the problem reflected in the article is carried out in the following logical sequence: analysis of the current state and development trends of the domestic insurance services market over the past six years; identifying the features of the activities of insurers during the war; systematization of key problems hindering their development with determination of ways to solve them; identification of priority digital technologies, the use of which can become a driver for the development of the domestic insurance market and will increase its competitiveness. The methodological tools of the study were a set of complementary methods: analysis and synthesis, causal analysis – to systematization of the reasons for restraining the insurance services market development in Ukraine, system-analytical, logical generalization – to develop ways to solve the identified problems and determine of the main determinants of its development. The object of the study is domestic insurance companies. The article presents the results of a causal analysis, which made it possible to determine a set of measures by the regulator and insurance companies aimed at overcoming the main problems in this industry. The results of a logical generalization are presented, which make it possible to determine the main digital technologies, the use of which can become a driver for the domestic insurance market development. The results of the study can be useful for Ukrainian insurance companies, which will allow them to increase their competitiveness in the market.
Financing of construction enterprises of Ukraine in the conditions of current challenges
(Lutsk, 2024-11) Nikolaieva, Anzhela
The article examines the current state of financing and the peculiarities of the development of the domestic construction sector in wartime conditions. It was found that during global challenges, such as the corona virus epidemic and full-scale war in the country, the state of financing of construction enterprises worsened due to unprofitable operations, the growth of uncovered losses and, accordingly, the negative amount of equity capital. It has been established that construction and contracting organizations finance their activities mainly at the expense of borrowed funds, namely current liabilities and guarantees, and due to high interest rates and credit risks, they do not actively resort to bank lending today. The key determinants of the micro- and macroenvironment have been determined directly affect the structure of financial capital of construction enterprises. Summarized the main factors caused by the war, which negatively affect the activity of construction enterprises and the state of their financing. In particular, this is a change in logistics routes and an increase in energy costs; rising prices for construction materials; shortage of certain types of construction materials and construction products, a difficult situation with working capital and reserves that are quickly depleted; low market demand; forced shutdown of many construction sites for an indefinite period, etc. The main macroeconomic directions of promoting the development of the construction business and increasing its profitability have been determined, such as: a transparent program of post-war reconstruction of the country, active involvement of international partners in it; lowering the price of mortgage loans; stimulation of innovative technologies to reduce the cost of projects; solving problems with the logistics of supplying basic building materials; transparent government policy for developers and investors; stimulation of public-private partnerships for housing restoration, etc.
The financial support system for agri-processing enterprises in Ukraine in the context of transformational economic recovery
(Київ, 2026-05-12) Nikolaieva, Anzhela
This article examines the state of financing for domestic enterprises operating in the milk processing and dairy product manufacturing sector; it identifies the key challenges facing their operations following the outbreak of full-scale war. The author has systematized the determinants influencing the effectiveness of financial support for milk processing enterprises. It has been established that the effectiveness of their financial support is shaped by the complex interaction of production-raw material, technological, logistical, market, financial-economic, regulatory and macroeconomic determinants. It has been revealed that for Ukrainian enterprises, the key factors are ensuring a stable raw material base, modernizing production capacities, optimizing logistics, the availability of financial resources, and the ability to adapt operations to socio-economic challenges, particularly under martial law. In the context of Ukraine’s European integration, considerable attention was paid to studying the European experience of financial support for enterprises in the milk processing sector. It has been established that a key feature of the European model of financial support for milk processing enterprises is the combination of own funds, long-term bank financing and targeted support instruments provided by the state and supranational EU institutions (Common Agricultural Policy, CAP). Overall, European experience demonstrates the effectiveness of a model based on the diversification of funding sources, the preference for long-term capital, and the active use of institutional support and cooperative forms of business organization, which are widespread in the dairy sector in many EU countries, including Poland. It is argued that such an approach creates the conditions for the sustainable development of dairy processing enterprises, enhancing their competitiveness and financial stability in a changing market environment. Taking into account European experience and the impact of socio-economic challenges, particularly military risks, on the operations of domestic dairy processing enterprises, a set of practical recommendations has been formulated aimed at improving the efficiency of financial support for operational activities and business scaling. The proposed measures are systematic in nature and envisage the simultaneous improvement of managerial, operational and investment decisions.
Financial management of an enterprise’s business activities
(Острог: Нац. ун-ту "Острозька академія", 2025-09) Oleksandrenko, Iryna; Nikolaieva, Anzhela
The article argues that in conditions of martial law and unstable external business conditions, the level of enterprise business activity is diminished, a phenomenon clearly confirmed by the ineffective formation and use of resources. Therefore, to identify ways to increase business activity, it is necessary to study its essential characteristics and influencing factors, which will enable the selection of the most effective management decisions. The authors study the economic essence of an enterprise’s business activity as a complex characteristic of its state, reflecting its ability to effectively use available resources by ensuring high capital turnover to achieve competitiveness and leadership in various markets. The key properties underlying the identification of reserves for its improvement and the development of management decisions are identified. In particular, the main characteristics of an enterprise’s business activity include: stable market positions; the availability of regular and solvent suppliers and buyers; stable growth rates of production and sales volumes; low balances of finished products and production stocks; a sufficient level of business and product competitiveness; high product demand; and increasing market share. Given these essential characteristics, the role of business activity in specific operational areas is highlighted. The authors systematize the factors influencing an enterprise’s business activity, as understanding their essence makes it possible to reduce risks and threats and achieve efficiency in resource utilization. It is noted that an enterprise’s business activity changes under the influence of internal and external factors, mainly related to changes in the volume of production and sales. The essence and main tasks of managing an enterprise’s business activity are outlined. Structural elements of the financial mechanism for managing business activity and key management decisions aimed at improving it are proposed. Identifying the structural elements of this financial mechanism allows for the identification of financial methods, levers, and instruments, as well as the development of management decisions aimed at ensuring and increasing an enterprise’s business activity in the face of new challenges.
Fiscal stability index in the context of financial policy: current challenges of Ukraine’s post-war reconstruction
(Чайки: ФІНТЕХАЛЬЯНС, 2025-12) Polishchuk, Vadym; Dorosh, Viktoriia; Ishchuk, Lesia; Nikolaieva, Anzhela; Oleksandrenko, Iryna
The research examines indicators of fiscal stability by studying Ukraine's financial policy during military aggression and European integration using foreign examples. The purpose of the study is to analyze macroeconomic stability by examining indicators of the budget deficit, total public debt, and periodically adjusted budget balance. The intense concentration of financial resources has proven to have helped support the country’s defense capabilities. It analyzes the main threats to financial stability, which constitute long-term solvency risks. In the long run, the expected bankruptcy requires systemic reforms in the area of taxation and public financial management. The evaluation of international aid demonstrated its key role in maintaining macro-financial stability. At the same time, it was noted that over-reliance on international financial resources created risks for future financial independence. The identified needs of European integration demonstrated the importance of harmonizing Ukrainian fiscal policy with the prin ciples of transparency, responsibility, and accountability. The need to digitize budgetary processes was demonstrated, 1and the need to implement European practices in public debt management was confirmed. An analysis of European legislation from EU member states showed that fiscal discipline and stable rules allow for crisis resilience. It has been confirmed that the adaptation of Ukraine's approaches to EU debt sustainability criteria will ensure greater predictability of fiscal policy in the post-war context. The formulated conceptual approaches have shown that postwar financial strategy should combine eco nomic recovery with the modernization of major financial institutions. The budget stability index can be used to highlight the dynamics of the gradual strengthening of the financial system. It has been proven that public investments, public-private partnership mechanisms, and tax incentives are the basis for restoring confidence in public finances and laying the foundations for sustainable economic development.
Prerequisites for the application of monetary policy tools of the "new reality" in the conditions of the geopolitical impact of military aggression in Ukraine
(Чайки : ФІНТЕХАЛЬЯНС, 2024-10-31) Polishchuk, Vadym; Dorosh, Viktoriia; Ishchuk, Lesia; Nikolaieva, Anzhela
The prospects of using a new type of monetary policy instruments, which determine modern significant changes in the development of global financial, economic and social relations, caused by the geopolitical influence of military aggression in Ukraine, are studied. Not only the negative financial and economic impact on the country victim of hostilities, i.e., Ukraine, was established. Problems with inflation and debt were also identified in the G7 countries, as well as in China due to the consequences of the war in Ukraine. It was determined that the financial system of countries that have close trade and monetary transactions with developed market countries will also have a significant impact of the global crisis. The financial and economic indicators of Ukraine, the G7 countries and China for the medium term are predicted. The influence of the main financial threats on the macroeconomic stability of the country's economy in the conditions of military aggression is determined, and the main instruments of monetary policy that would allow maintaining such stability are indicated. It is noted that the use of a new type of monetary policy in modern realities, based on non-traditional instruments, will contribute to overcoming the negative impact of military aggression in all countries that experience it.
Fiscal stability index in the context of financial policy: current challenges of Ukraine's post-war reconstruction
(Чайки : ФІНТЕХАЛЬЯНС, 2025-12-31) Polishchuk, Vadym; Dorosh, Viktoriia; Ishchuk, Lesia; Nikolaieva, Anzhela; Oleksandrenko, Iryna
The research examines indicators of fiscal stability by studying Ukraine's financial policy during military aggression and European integration using foreign examples. The purpose of the study is to analyze macroeconomic stability by examining indicators of the budget deficit, total public debt, and periodically adjusted budget balance. The intense concentration of financial resources has proven to have helped support the country’s defense capabilities. It analyzes the main threats to financial stability, which constitute long-term solvency risks. In the long run, the expected bankruptcy requires systemic reforms in the area of taxation and public financial management. The evaluation of international aid demonstrated its key role in maintaining macro-financial stability. At the same time, it was noted that over-reliance on international financial resources created risks for future financial independence. The identified needs of European integration demonstrated the importance of harmonizing Ukrainian fiscal policy with the principles of transparency, responsibility, and accountability. The need to digitize budgetary processes was demonstrated, 1and the need to implement European practices in public debt management was confirmed. An analysis of European legislation from EU member states showed that fiscal discipline and stable rules allow for crisis resilience. It has been confirmed that the adaptation of Ukraine's approaches to EU debt sustainability criteria will ensure greater predictability of fiscal policy in the post-war context. The formulated conceptual approaches have shown that postwar financial strategy should combine economic recovery with the modernization of major financial institutions. The budget stability index can be used to highlight the dynamics of the gradual strengthening of the financial system. It has been proven that public investments, public-private partnership mechanisms, and tax incentives are the basis for restoring confidence in public finances and laying the foundations for sustainable economic development.

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