RISK MANAGEMENT IN BANKING MANAGEMENT IN
CONDITIONS OF UNCERTAINTY

Serhii RYLIEIEV

Chernivtsi Institute of Trade and Economics of SUTE, Chernivtsi

https://orcid.org/0000-0002-2058-1004

Halyna DOLHA

Chernivtsi Institute of Trade and Economics of SUTE, Chernivtsi

https://orcid.org/0000-0003-2926-8505

DOI: http://doi.org/10.34025/2310-8185-2025-2.98.13

Keywords: bank, risk, bank management, risk management, change, uncertainty, process, circumstances, stability.

Summary

The problem of risk management in banking management in conditions of unpredictability lies in the difficulties of forecasting and control arising from external and internal factors that affect the bank's activities, such as political turbulence, economic crises, legislative modifications, technical progress and social transformations. This requires banks to constantly study, assess, monitor and finance risks to minimize negative effects and ensure stability. In conditions of uncertainty, a bank encounters many potential threats that are difficult to predict, which complicates the decision-making process. The impact of external factors, such as political instability, economic crises, changes in legislation, technological progress, as well as social changes, can significantly affect the bank's activities and create new risks. Various types of risks (credit, market, liquidity, reputational, operational, etc.) are closely interconnected, and the negative development of one can lead to a chain reaction of others.

The main purpose of the article is to study the current state of risk management in banking management in conditions of uncertainty. The methodology for studying risk management in banking management under conditions of uncertainty includes the selection of methods for risk analysis and assessment (statistical, analogies, expert assessments), identification of risk types (credit, market, liquidity, etc.), application of management strategies (avoidance, control, transfer, absorption) and use of special tools, such as risk indicators and profiling.

The article studies risk management in banking management under conditions of uncertainty, in particular, the main problems of risk management in banking management in Ukraine are formulated; risk management in banking management under conditions of uncertainty is improved; it is proposed to further study the assessment of the level of risk management in banking management in modern conditions of economic and political uncertainty and the presence of numerous threats.

The practical significance of the study of risk management in banking management under conditions of uncertainty lies in the development and implementation of effective strategies to ensure the stability of the bank, minimize losses, protect the interests of depositors, increase competitiveness and adapt to changing external conditions, which ultimately contributes to the stability of the financial system as a whole. Prospects for further research lie in conducting research and studying the issue of assessing the level of risk management in banking management in modern conditions of economic and political uncertainty and the presence of numerous threats.

Biographies of authors:

Serhii RYLIEIEV,

Chernivtsi Institute of Trade and Economics of SUTE

Candidate of Economic Sciences, Associate Professor

Associate Professor Department of Finance, Accounting and Taxation

Halyna DOLHA,

Chernivtsi Institute of Trade and Economics of SUTE

Candidate of Economic Sciences, Associate Professor

Associate Professor Department of Finance, Accounting and Taxation

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