LIQUIDITY MANAGEMENT IN THE BANKING SECTOR OF UKRAINE DURING THE WARTIME PERIOD

The article considers the issues of modern managerial aspects of the management system of the banking sector of Ukraine in the difficult economic conditions. Given the analysis of information and scientific resources, it is emphasized that in the context of Ukrainian realities, the banking sector requires innovative solutions and further improvement of banking activities, which raises the necessity of a more detailed study of the development of banks in Ukraine. An empirical analysis of the realities of the banking sector of Ukraine under martial law has been carried out. In the course of the study, it was found that the practice of the banking sector of Ukraine shows a positive trend of adaptation of the work of institutions of the given sphere to the crisis conditions. It is noted that in the context of tight economic and financial policies, banking institutions provide credit services on an ongoing basis, maintain the client network, retain operational efficiency, profitability, etc. Based on the Financial Stability Report prepared by the National Bank of Ukraine, it was found that the Ukrainian banking sector is currently highly liquid. It is mentioned that the UAH funds of the population are almost not increasing, but their term structure is improving. It was established that in 2023, the growth rate of household term in UAH deposits increased. This was facilitated by banks raising interest rates on long-term deposits in response to changes in the NBU's monetary policy. It is noted that the popularity of foreign currency deposits among the population has decreased. This aspect is explained by the fact that as the FX market stabilises and the gap between the cash and official exchange rates narrows, the population is no longer motivated to buy non-cash foreign currency for deposits. In conclusion, it is stated that if the Ukrainian economy will not experience any other economic devaluations, and external assistance will continue to flow at the same level as it is now (meaning support from the EU and the European Bank for Reconstruction and Development), then cash flows to the banking sector will be maintained at the same level, which will to some extent stabilise the overall macro and micro situation in Ukraine.