Managing the Financial Results of Banks in the Context of War Risks

The article explores the issue of managing banks’ financial results under conditions of armed aggression, which creates an unprecedented level of risk for Ukraine’s banking system. The relevance of the study lies in the need for adaptive management approaches to ensure bank profitability and solvency in crisis settings. The purpose of the study is to identify the features of managing financial results of systemically important Ukrainian banks during 2022–2025 and to determine the key factors of their resilience under wartime risks. The research is based on a comparative analysis of the performance of four banks. A retrospective assessment of financial indicators, asset and liability structures, credit and deposit policies, and provisioning levels was conducted. The methodological framework includes dynamic and structural analysis, as well as generalization of banks’ adaptation strategies. The study summarizes the changes in profitability, proves the high level of bank resilience during wartime, and systematizes financial adaptation strategies. It is found that profitability indicators in 2023-2025 exceeded pre-war levels, while asset structures shifted toward low-risk instruments. Differences between state-owned and private bank management models are characterized. Key factors ensuring liquidity and solvency are identified. The state’s role in stabilizing the sector through nationalization, liquidity support, and deposit guarantees is assessed. Theoretical value lies in clarifying factors of financial resilience under extraordinary conditions. Practical value includes the applicability of results in forming anti-crisis financial strategies. Scientific novelty lies in the systemic analysis of empirical data from 2022–2025 across different banking models. The link between asset structure and profitability stability is established. Further research should focus on smaller banks and the impact of digital risks. Article type: empirical.