STRATEGIES TO ENHANCE THE INVESTMENT POTENTIAL OF COMMERCIAL BANKS

Abstract

As key financial institutions in the economy, commercial banks not only mobilize funds through deposits and loans but also directly contribute to the economic development of the country by financing investment projects. The investment potential of banks is determined by their capitalization, liquidity levels, risk management systems, and management expertise. Therefore, banks must adopt strategic approaches to enhance their investment potential. These strategies are based on both internal and external factors: internal factors include financial stability, internal policies, and internal control mechanisms; external factors include economic stability, financial market development, legislation, and government policies. Through effective strategies, banks gain the ability to evaluate investment projects, mobilize capital, and optimize risks, which increases their competitiveness and positively impacts economic growth.