FINANCIAL RESILIENCE OF BANK LVIV IN THE CONTEXT OF MARTIAL LAW

Abstract

This article provides an in-depth analysis of the financial stability of Bank Lviv under martial law, a critical issue facing Ukraine’s banking sector in the context of the full-scale Russian invasion. The study explores how regional banks, such as Bank Lviv, play a vital role in maintaining economic functionality by supporting local businesses, especially small and medium-sized enterprises (SMEs), and ensuring the continuity of essential financial services during times of national crisis.
The research examines key indicators of financial resilience, including asset quality, liability structure, liquidity ratios, and capital adequacy in conditions of heightened uncertainty. Particular attention is paid to how the bank has adapted its operational and risk management strategies to withstand the challenges posed by the war. This includes adopting a conservative credit policy, enhancing internal controls, and maintaining close compliance with regulatory requirements imposed by the National Bank of Ukraine.
One of the notable findings of the study is the significant role played by international financial institutions and investments in strengthening the bank’s capital position and overall sustainability. Additionally, the paper evaluates the bank’s accelerated digital transformation, which has allowed it to continue delivering services remotely and securely, thereby increasing customer trust and operational efficiency.
The study concludes that the experience of Bank Lviv offers valuable insights into the broader mechanisms of preserving financial stability within the Ukrainian banking sector under wartime conditions. These insights can be instrumental in shaping future policies and crisis management strategies, both in Ukraine and in other countries facing similar challenges due to armed conflicts or large-scale emergencies.