PROSPECTS FOR ENHANCING THE EFFICIENCY OF BANK ASSETS IN THE CONTEXT OF DIGITAL TRANSFORMATION

Abstract

This article examines the prospects of improving the efficiency of bank assets in the conditions of digital transformation, the issue of increasing the efficiency of commercial banks in the conditions of digital transformation requires combining the management system of bank assets with modern technologies, innovative financial services, digital methods of risk assessment and customer-oriented business models. Bank assets are the main economic category that determines the bank's earning potential, liquidity level, risk tolerance and financial stability. Therefore, in the process of digital transformation, optimizing the structural structure of bank assets, increasing their profitability, reducing the share of problem assets, and ensuring stable liquidity are of significant scientific and practical importance.