Prospects for Improving Green Products of Commercial Banks in the Context of Sustainable Development

This article examines prospects for improving commercial banks' green products in a sustainable development environment. It substantiates the role of commercial banks as key financial intermediaries in the redistribution of resources in favor of environmentally oriented and socially significant projects. Based on an analysis of scientific sources and summarized international data, the article identifies the main types of green banking products, their economic and environmental effects, and quantitative trends in their development from 2019 to 2024. It is established that the expansion of green lending, the issuance of green bonds, and the implementation of digital ESG instruments contribute to increasing banks' financial stability and reducing long-term risks. The article identifies key limitations to the development of green products, including insufficient standardization of green financing criteria and limited long-term resources. Practical recommendations are formulated for integrating green products into commercial bank strategies and improving the institutional environment for sustainable financing.