Published April 25, 2026 | Version v1
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KEY DIRECTIONS FOR THE DEVELOPMENT OF COMMERCIAL BANKS

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This article analyzes the main directions for the development of commercial banks. In particular, it examines the acceleration of digitalization processes in the banking system, improvement of customer-oriented services, effective risk management, strengthening of the capital base, and development of human resources. The importance of implementing green finance and sustainable development principles is also highlighted. The findings of the study contribute to enhancing the competitiveness of commercial banks and ensuring economic stability.

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References

  • 1.Frederic S. Mishkin (2019). The Economics of Money, Banking, and Financial Markets. 12th Edition. Pearson Education.
  • 2.Joseph A. Schumpeter (1934). The Theory of Economic Development. Harvard University Press.
  • 3.Basel Committee on Banking Supervision (2011). Basel III: A Global Regulatory Framework for More Resilient Banks and Banking Systems. Bank for International Settlements.
  • 4.World Bank (2022). Global Financial Development Report. Washington, DC.
  • 5.International Monetary Fund (2023). Financial Sector Assessment Program Reports. Washington, DC.
  • 6.OECD (2021). Digitalisation in Finance and Banking. Paris.