MAIN FEATURES OF DIVIDEND POLICY IN COMMERCIAL BANKS
DOI:
https://doi.org/10.5281/zenodo.18110176Keywords:
dividend, dividend policy, commercial banks, banking activity, lending activity, non-performing loans, financial decisions, bank assets, financial strategy, bank capitalization, bank risks, financial stability, strategic management, financial security of the bankAbstract
This article provides a scientific analysis of the essence, formation mechanisms, and key features of dividend
policy in commercial banks. The study substantiates the impact of dividend policy on banks' financial stability, capitalization
level, and the efficiency of lending activities. In addition, the interrelation between changing socio-economic conditions,
the bank risk management system, and the volume of non-performing loans in determining dividend payments is
examined. The article analyzes existing challenges in financial decision-making during the formation of dividend policy
in commercial banks, particularly issues related to maintaining a balance between profit distribution and reinvestment.
Based on the research findings, the author proposes conceptual approaches and practical recommendations aimed at
reducing non-performing loans, improving the quality of bank assets, and ensuring sustainable development of banking
activities through the integration of dividend policy with strategic management
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