НАПРЯМИ ПІДВИЩЕННЯ БАНКІВСЬКОЇ ІНВЕСТИЦІЙНОЇ ДІЯЛЬНОСТІ В УМОВАХ ЦИФРОВІЗАЦІЇ

Abstract

The investment activity of the bank affects the availability of both the bank itself, as it is its source of income, and for the economy as a whole, so it is necessary to take into account the assessment of such activities. Today, the digitalization of economic processes is the driving force behind the development of global financial markets. This was preceded by both economic prospects and technological progress, and a global pandemic. The introduction of technological progress in the work of banks is an investment that promotes competition and reduces the costs of financial institutions. In a market economy, there is a growing interest in the investment activities of financial institutions. The development of the banking business in this area, along with the formation of the stock market infrastructure, is of great importance for the further development of the market economy in Ukraine. Not only management and shareholders, but also their counterparties and borrowers, residents and enterprises of the region, where banks operating in the domestic and foreign markets of Ukraine operate, benefit from the activity of banks in the stock market. The article is devoted to the study of banking investment activity in the conditions of development of financial technologies in Ukraine, its influence on the banking business. The article examines the essence of investment activity of banks, considers the concept of "digitalization". The peculiarities of banking investment activity are determined, the analysis of the securities portfolio of banking institutions in total assets is carried out. The share of domestic government bonds in banks' securities portfolio and gross domestic product was studied. The problems of development of investment activity of banks in Ukraine and key aspects of strategic transformations of banking institutions into digitalization are identified. In investment activities, banks have specially developed programs for clear and fast tracking of any changes in the securities market. The necessity of application of financial technologies in banking business, and also at realization by banks of investment activity is substantiated and on this basis the directions of its increase are defined.