The main problem of the financial sector is not a liquidity deficit, but an outdated focus exclusively on large corporate business.<\/p>\n\n
The Ukrainian banking sector is undergoing one of the most significant transformations in its history.<\/p>\n\n
The system has become more resilient, transparent, and capitalized. The fact that Ukrainian banks demonstrate stability during a full-scale war is one of the greatest achievements of the past decade. <\/p>\n\n
However, the market now faces new challenges. Challenges of development and growth. <\/p>\n\n
Approximately 60 banks operate in Ukraine. For comparison: in Poland there are over 500 banking institutions, in Germany more than 1,200, and in Austria around 400. <\/p>\n\n
But the number of banks does not determine the availability of financing for businesses. A much more important question is: how effectively does the financial system convert available liquidity into economic growth. <\/p>\n\n
Today, an interesting situation has developed in Ukraine. On one hand, the banking system has a sufficient level of liquidity. On the other hand, a significant portion of micro, small, and medium-sized businesses continues to experience limited access to financing. <\/p>\n\n