Proceedings of the International scientific and practical conference ―Oxford International Science Forum‖ (April 17-19, 2026) / Publisher website: www.naukainfo.com. - Oxford, United Kingdom, 2026. - 367 p.

14 In the United Kingdom, an integrated model has been implemented, in which macroprudential and microprudential functions are concentrated within the central bank. This contributes to more effective coordination through a single decision- making center and integrated information flows [5]. In contrast, the United States applies a coordination council model that brings together various regulatory authorities for joint analysis of systemic risks, ensuring broader representation but reducing decision-making efficiency [5]. For Ukraine, the issue of coordinating prudential policies is particularly relevant in the context of financial sector transformation and European integration processes. An important step has been strengthening the role of the National Bank of Ukraine as a mega-regulator combining macroprudential policy and microprudential supervision functions. An additional coordination mechanism is the Financial Stability Council, which ensures interaction among key financial sector institutions [6]. At the same time, despite positive developments, certain challenges remain. In particular, potential conflicts between the goals of financial stability and economic growth may lead to inconsistencies in regulatory decisions. In addition, the underdevelopment of the non-bank financial sector complicates the formation of a comprehensive macroprudential framework. Thus, coordination of macroprudential and microprudential policies is a necessary condition for ensuring the resilience of the banking sector. Effective interaction between regulators makes it possible to minimize systemic risks, increase the adaptability of the financial system to crisis shocks, and create conditions for sustainable economic development. REFERENCES: 1. Borio C. The financial cycle and macroeconomics: What have we learnt? BIS Working Papers No. 395. Basel : Bank for International Settlements, 2012. URL: https://www.bis.org/publ/work395.pdf (дата звернення: 20.09.2025). 2. Osiński J., Seal K., Hoogduin L. Macroprudential and microprudential policies: