Strengthening the resource base of commercial banks is an important factor for ensuring financial stability and sustainable economic development in conditions of financial system transformation. This study analyzes the structure of banking resources and the key factors influencing their formation, including deposits, capital market instruments, interbank borrowings, and bank equity. The research also identifies the main directions for improving the stability of bank resources, such as diversification of funding sources, development of capital markets, strengthening bank capitalization, and digital transformation of the banking sector.