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22 improving capital adequacy mechanisms are essential for maintaining market stability. In the long term, the integration of systemic shock scenarios into risk management frameworks can contribute to greater financial resilience and adaptive capacity of Ukraine’s insurance market. REFERENCES: 1. 76% of companies reported that lasting power outages affect their operations – new survey by the Deloitte Ukraine and American Chamber of Commerce in Ukraine | Deloitte Ukraine. Deloitte. URL: https://www.deloitte.com/ua/en/about/press-room/deloitte-acc-winter-resilience- strategy.html. 2. Mints A., Doroshkevych H. Analysis of the energy collapse overcoming scenarios for small businesses of Ukraine. Reporter of the Priazovskyi State Technical University. Section: economic sciences. 2023. No. 1(38). P. 61–68. URL: https://doi.org/10.31498/2225-6725.1(38).2023.281114. 3. Qun, Y., Songqing, X., Jian, H., Jianxin, Z. Risk Assessment of Multi Scenario Blackout Considering Different Proportions of New Energy. In: Xue, Y., Zheng, Y., Gómez-Expósito, A. (eds) Proceedings of the 7th PURPLE MOUNTAIN FORUM on Smart Grid Protection and Control (PMF2022). PMF 2022. Springer, Singapore. 2023. URL: https://doi.org/10.1007/978-981-99-0063- 3_47. 4. When the Lights Went Out: Ukraine’s IT Industry During Blackouts. IT- Dimension - Software Development Company. URL: https://it- dimension.com/blog/when-the-lights-went-out-ukraines-it-industry-during- blackouts/.