Financial stability of the credit institution in the face of sanctions pressure

Subject. Financial stability of a non-bank credit institution. Objectives. To assess the stability of the financial model of a non-bank credit institution under an unstable geopolitical situation, based on the analysis of consolidated financial statements for the period 2020–2024. Methods. Trend analysis is applied (identifying changes in indicators over the analyzed period and assessing the rate of such changes), a factor-based approach to stability assessment (comparing actual indicators with benchmarks in the academic literature), and a qualitative evaluation of management decisions. Results. The financial indicators of the non-bank credit institution for 2020–2024 were analyzed. A stable growth in the company’s assets, liabilities, and profits was demonstrated amid rising uncertainty in the external environment. The stability of clearing operations is confirmed through an assessment of liquidity, profitability, and the dynamics of key indicators. The effectiveness of top management decisions under increasing macroeconomic pressure was also demonstrated. Conclusions and Relevance. The results reveal positive dynamics and confirm the effectiveness of the organization's financial model and its ability to adapt to environmental conditions. The findings expand the understanding of clearing organizations and can be used in developing regional programmes for economic stability. The data obtained provide a foundation for conducting stress testing, developing internal rating models, optimizing cross-default mechanisms, and designing tools to maintain liquidity. They can also be used to assess the stability of enterprises in the financial sector.