METHODOLOGY FOR THE TRANSFORMATION OF STATE COMMERCIAL BANKS

Abstract

This article examines the theoretical and methodological foundations of transforming state commercial banks and their role in the modern banking system based on a comprehensive scientific approach. The study provides an in-depth analysis of the interconnection between the processes of modernizing the banking system based on market principles, strengthening financial stability, effective risk management, and increasing competitiveness.

Furthermore, the institutional and functional aspects of banking transformation are scientifically substantiated, specifically regarding capital adequacy, liquidity management, asset-liability balance, and mechanisms for increasing profitability. The study analyzes the prudential standards of the banking system and the role of the risk management system in transformation based on the Basel III and Basel IV standards established by the Basel Committee on Banking Supervision.

The article also examines ways to integrate banks with fintech technologies, develop digital banking services, and increase operational efficiency in the digital economy. The research results are of scientific and practical importance in optimizing the transformation process of state commercial banks and integrating the national banking system into international financial markets.