Основні рецензенти
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Прохорова Вікторія Володимирівна - Українська інженерно-педагогічна академія
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Петруня Юрій Євгенович - Університет митної справи та фінансів
| Issues | Sections | Authors | Keywords |
Article
| Issue: | 2025 №4 (92) |
| Section: | Finance, Banking, Insurance and Stock Market |
| UDK: | 336.71:004 |
| DOI: | https://doi.org/10.33271/ebdut/92.112 |
| Article language: | Ukrainian |
| Pages: | 112-120 |
| Title: | Specifics of credit risk management based on green banking development in modern conditions of banking system evolution |
| Authors: | Krylova O. V., Dnipro University of Technology, Horiacha O. I., Dnipro University of Technology, Shkurinskyi D. P., Dnipro University of Technology |
| Annotation: | Methods. The results were obtained using the following methods: systematic analysis – when studying the conceptual foundations of green banking and its impact on credit risk; economic and statistical analysis – when assessing the dynamics of financial indicators of ESG-oriented and traditional banks; comparative analysis – when comparing risk profiles of various types of lending; structural and functional method – when investigating the portfolio of green financial products of Ukrainian banks; empirical research – when analyzing data from 21 banks subject to stress testing by the National Bank of Ukraine in 2025. Results. It was established that ESG-oriented banks demonstrate significantly better indicators: ROA 2.4% compared to 1.8% in traditional banks, NPL share 5.1% compared to 7.8%, operational efficiency 52.3% compared to 58.7%. It was revealed that green loans are characterized by lower risks – NPL for renewable energy loans is 3.2%, for energy efficiency loans 4.1%, while for traditional corporate loans 6.8%. Eight categories of green financial products were identified in Ukrainian banks' portfolios with a total volume of over 12 billion UAH. Significant differentiation of ESG maturity was found across banks by ownership type: banks with foreign capital – 78% have integrated ESG into risk management, state banks – 60%, private domestic banks – only 35%. Novelty. A five-component ESG-scoring model for credit risk assessment was developed, including environmental, social, governance, military adaptation, and financial components. A threetier ESG risk management system was substantiated with functional distribution across strategic, tactical, and operational levels. Unique characteristics of green banking operations under martial law and European integration processes were identified. Practical value. Methodological recommendations were formulated for integrating ESG criteria into credit underwriting processes, establishing an ESG monitoring system, and developing specialized green credit products. The results can be used by banking institutions to optimize credit risk management systems, by the National Bank of Ukraine to improve regulatory policy in sustainable finance, and by international organizations to assess progress in implementing ESG standards during post–conflict economic recovery. |
| Keywords: | «green» banking, Credit risk, ESG risks, Sustainable development, Green loans, Bank financial stability, ESG-scoring, Renewable energy, Energy efficiency, Martial law |
| File of the article: | EV20254_112-120.pdf |
| Literature: |
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Editor-in-Chief
Makurin A. A., Doctor of Economic Sciences, Professor, Department of International Relations and Audit, Dnipro University of Technology
Deputy Editors-in-Chief:
Buleev I. P., Doctor of Economic Sciences, Professor, Chief Researcher, Department of Enterprise Economics, Institute of Industrial Economics of the National Academy of Sciences of Ukraine, Ukraine
Vahonova O. H., Doctor of Economic Sciences, Professor, Head of the Department of Applied Economics, Entrepreneurship and Public Administration, Dnipro University of Technology
Chair of the Editorial Board
Bezuhla L. S., Doctor of Economic Sciences, Professor, Head of the Department of Tourism and Enterprise Economics, Dnipro University of Technology
Members of the Editorial Board:
- Andrii Andriiovych Makurin, Doctor of Economic Sciences, Professor, Professor at the Department of International Relations and Audit, Dnipro University of Technology, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0001-8093-736X - Oleksandra Hryhorivna Vahonova, Doctor of Economic Sciences, Professor, Head of the Department of Applied Economics, Entrepreneurship and Public Administration, Dnipro University of Technology, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0001-6553-7771 - Liudmyla Serhiivna Bezuhla, Doctor of Economic Sciences, Professor, Head of the Department of Tourism and Enterprise Economics, Dnipro University of Technology, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0002-6520-4325 - Maryna Illivna Ivanova, Doctor of Economic Sciences, Professor, Professor at the Department of Management, Dnipro University of Technology, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0002-1130-0186 - Oksana Vitaliivna Bashtannyk, Doctor of Sciences in Public Administration, Professor, Professor at the Department of History, Political Theory and Law, Dnipro University of Technology, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0003-4067-3261 - Olena Olehivna Akhmedova, Doctor of Sciences in Public Administration, Associate Professor, Professor at the Department of Tourism and Hotel and Restaurant Business, Kyiv National University of Technologies and Design, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0003-1573-7710 - Mykola Petrovych Horodyskyi, Candidate of Economic Sciences, Associate Professor, Zhytomyr Polytechnic State University, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0002-2093-5263 - Eleonora Yuriivna Tereshchenko, Candidate of Economic Sciences, Associate Professor, Associate Professor at the Department of Enterprise Economics and Finance, Kyiv National University of Trade and Economics, Ministry of Education and Science of Ukraine, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
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https://orcid.org/0000-0002-6762-8041 - Ivan Petrovych Buleev, Doctor of Economic Sciences, Professor, Chief Researcher, Department of Enterprise Economics, Institute of Industrial Economics of the National Academy of Sciences of Ukraine, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0002-7912-3649 - Olha Volodymyrivna Zakharova, Candidate of Economic Sciences, Associate Professor at the Department of International Economic Relations, Vasyl Stefanyk Carpathian National University, Ukraine, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0002-8718-0205 - Joanna Rosak-Szyrocka, PhD, Assistant Professor at Częstochowa University of Technology, Poland
https://wis.pcz.pl/wykladowcy---sprawozdawczosc/dr-joanna-rosak-szyrocka
https://orcid.org/0000-0002-5548-6787 - Jolanta Miko Nalivaike, Doctor of Social Sciences, specializing in Management, Vice-Dean of the Faculty of Business Management, Associate Professor at the Department of Management, Vilnius Gediminas Technical University (VILNIUS TECH), Lithuania, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0003-1009-4111 - Marat Kuralbekovich Kamysbayev, Doctor of Economic Sciences, Professor, Department of Management and Mathematical Economics, Kazakh National Research Technical University, Almaty, 050000, Kazakhstan, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0002-6952-6030 - Jan Skonieczny, PhD in Economics, Assistant Professor at the Department of Organization and Management, Wrocław University of Science and Technology, Poland, This email address is being protected from spambots. You need JavaScript enabled to view it.
https://orcid.org/0000-0002-1027-991X
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