THE ROLE OF ARTIFICIAL INTELLIGENCE IN ENSURING THE FINANCIAL STABILITY OF BANKS
DOI:
https://doi.org/10.65164/v0kyxh90Аннотация
The penetration of artificial intelligence (AI) technologies into the financial sector signals the
onset of a methodological revolution in the global banking system. According to analyses conducted
by the McKinsey Global Institute (2023), the application of AI technologies in banking operations
has the potential to generate an additional $250–340 billion in annual value and demonstrates
measurable effectiveness in the areas of cybersecurity, bank risk assessment, and financial monitoring
Библиографические ссылки
[1] Adrian, T., & Brunnermeier, M.K. (2016). CoVaR. American Economic Review, 106(7), 1705–
1741.
[2] Altman, E.I., Iwanicz-Drozdowska, M., Laitinen, E.K., & Suvas, A. (2018). Financial Distress
Prediction in an International Context: A Review and Empirical Analysis of Altman's Z-Score
Model. Journal of International Financial Management & Accounting, 28(2), 131–171.
[3] Bank for International Settlements (BIS). (2023). Survey on Artificial Intelligence in Central
Banking. BIS Working Paper No. 1087.
[4] Becker, B., & Ivashina, V. (2023). Machine Learning and Credit Risk: Evidence from European
Banks. Journal of Financial Economics, 148(2), 410–431.
[5] Berger, A.N., et al. (2024). Artificial Intelligence in Banking: Evidence from Emerging
Markets. Review of Financial Studies, 37(3), 845–891.
[6] BCBS - Basel Committee on Banking Supervision. (2024). Principles for the Effective
Management and Supervision of Climate-Related Financial Risks and AI Applications. BIS,
Basel.
[7] European Banking Authority (EBA). (2024). Discussion Paper on the Use of Artificial
Intelligence in the Banking Sector. EBA/DP/2024/07.
[8] European Central Bank (ECB). (2024). SupTech Applications in Prudential Supervision -
Annual Report. Frankfurt: ECB.
[9] Federal Reserve System (FED). (2023). BEAST - Bank Examination Automation and
Surveillance Technology: Overview. Washington D.C.: FRB.
[10] Financial Stability Board (FSB). (2025). Artificial Intelligence and Machine Learning in
Financial Services: Market Developments and Stability Implications. Basel: FSB.
[11] McKinsey Global Institute. (2023). The Economic Potential of Generative AI: The Next
Productivity Frontier. New York: McKinsey & Company.
[12] Monetary Authority of Singapore (MAS). (2024). Principles to Promote Fairness, Ethics,
Accountability and Transparency (FEAT). Singapore: MAS Annual Report.
[13] OECD. (2019). Recommendation of the Council on Artificial Intelligence. Paris: OECD
Publishing.
[14] People's Bank of China (PBOC). (2024). China Financial Stability Report 2024 - RegTech
Chapter. Beijing: PBOC.
[15] Fintech and Financial Stability: Implications for Supervision and Regulation. IMF Staff
Discussion Note SDN/2025/008.
