Assessing the Stability of Banks in the Process of Digital Transformation of the Banking System of Ukraine
Pasichnyk R. M., Kochorba V. Y., Bitner I. V.

Pasichnyk, Roman M., Kochorba, Valeriia Yu., and Bitner, Iryna V. (2026) “Assessing the Stability of Banks in the Process of Digital Transformation of the Banking System of Ukraine.” The Problems of Economy 2:353–365.
https://doi.org/10.32983/2222-0712-2026-2-353-365

Section: Finance and banking

UDC 336.71

Abstract:
The aim of the study is a comprehensive assessment of the stability of the banking system of Ukraine, which combines the results of stress testing and indicators of banks' readiness for digital transformation in the context of efficient risk management and enhanced regulatory requirements. The article examines the stability of the banking system of Ukraine in the context of digital transformation. The regulatory framework of the NBU, which forms a comprehensive approach to risk management, integrating traditional prudential requirements with modern technological challenges, is analyzed. Based on the results of stress testing and cluster analysis, the level of banks' sensitivity to stress, their readiness for digital transformation, and strategic development prospects are determined. It is shown that banks with sufficient capital buffers and a high level of adaptability demonstrate positive dynamics, while institutions with negative trends require structural reorganization and strengthening of risk management systems. Based on the results of stress testing and cluster analysis, groups of banks were identified by the level of sensitivity to stress, their strategic prospects and needs for additional capitalization were outlined. It was shown that banks with a high level of adaptability and sufficient capital buffers demonstrate positive dynamics and readiness for digital transformation, while institutions with negative trends require structural reorganization and strengthening of risk management systems. It was concluded that ensuring the financial stability of the banking system is possible only under the condition of synergy of regulatory supervision and active implementation of innovative technologies. The scientific novelty of the study lies in the development of a model for assessing the stability of banks, which combines the results of stress testing with indicators of readiness for digital transformation, which allows forming a comprehensive vision of the risks and prospects for the development of the banking system of Ukraine.

Keywords: banking system; financial stability; digital transformation; risk management; stress testing; cluster analysis.

Fig.: 2. Tabl.: 4. Formulae: 2. Bibl.: 32.

Pasichnyk Roman M. – Postgraduate Student, Department of Banking Business and Financial Technologies, Educational and Scientific Institute «Karazin Banking Institute» of V. N. Karazin Kharkiv National University (55 Peremohy Ave., Kharkiv, 61174, Ukraine)
Email: roman.pasichnyk@student.karazin.ua
Kochorba Valeriia Yu. – Candidate of Sciences (Economics), Associate Professor, Deputy Director, Educational and Scientific Institute «Karazin Banking Institute» of V. N. Karazin Kharkiv National University (55 Peremohy Ave., Kharkiv, 61174, Ukraine)
Email: v.y.kochorba@karazin.ua
Bitner Iryna V. – Candidate of Sciences (Economics), Associate Professor, Associate Professor, Department of Banking and Financial Technologies, Educational and Scientific Institute «Karazin Banking Institute» of V. N. Karazin Kharkiv National University (55 Peremohy Ave., Kharkiv, 61174, Ukraine)
Email: irinabitner@karazin.ua

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