Proceedings of the International scientific and practical conference ― Education and Scientific Progress‖ (February 13-15, 2026) / Publisher website: www.naukainfo.com. - Manchester, United Kingdom, 2026. - 206 p.

36 Keywords: security-oriented management, security-oriented governance, management of commercial banks, commercial banks, financial management, risk management, risk-based management. In the contemporary banking sector, the assessment of managerial effectiveness increasingly goes beyond traditional profitability/cost indicators and incorporates risk-oriented and resilience-oriented components. Regulatory initiatives directly reinforce this trend; for example, the European Union’s Digital Operational Resilience Act (DORA), applicable from 17 January 2025 [4], is aimed at strengthening the digital operational resilience of financial institutions and emphasizes requirements for ICT risk management, incident handling, resilience testing, and third-party risk management. At the global level, supervisory approaches are also being updated in response to digitalization and climate-related risks: in 2024 the Basel Committee revised its Core Principles [5] for the first time since 2012, highlighting emerging risks (including digital and climate risks) and the responsibility of banks’ governing bodies. Within the scholarly domain, approaches are being developed specifically to assess the effectiveness of security-oriented management in commercial banks, including in the Ukrainian context, through conceptual frameworks and methodological instruments [1-3]. In applied studies of banking efficiency, Data Envelopment Analysis (DEA) is widely employed to evaluate the relative efficiency of banks based on combinations of inputs and outputs (costs, resources, performance outcomes, etc.); recent publications demonstrate the application of DEA to panels of banks for 2022–2023 [6]. Other contemporary studies examine the determinants of efficiency using cross- country samples (e.g., 2019–2023) [7]. A distinct research stream focuses on risk- adjusted efficiency and technological change: studies [8] analyze efficiency and innovation in banking over long time horizons and show that technological progress and diffusion are associated with the dynamics of operational efficiency. The DORA regulation explicitly concentrates on digital operational resilience and establishes