Analysis of Business Models of Ukrainian Banks
Journal Title: Oblik i finansi - Year 2018, Vol 1, Issue 2
Abstract
Today in Ukraine, the largest share of activity risks concerns the banking sector, because the activities of banking institutions directly depend on the economic and political situation in the country. The purpose of the article is to carry out a cluster analysis of business models of Ukrainian banks, to identify risks for such models, and to justify the main ways to minimize them. The business model of the bank defines the basic concepts and objects that make up the content of the banking business, as well as the relationship between them. To assess the level of financial stability of banks, the authors proposed a system of indicators, which consists of 12 indicators calculated for each bank. Descriptive statistics of variables of Ukrainian banks business models was disclosed. Cluster analysis of business models of Ukrainian banks was carried out using the Ward method and the self-organization maps of Kohonen of the determined business models of Ukrainian banks. According to the results of the cluster analysis, the five clusters were identified: Cluster # 1 – banks with a high level of financial stability; Cluster # 2 – banks with a sufficient level of financial stability; Cluster # 3 – banks with an average level of financial stability; Cluster # 4 – banks with a satisfactory level of financial stability; Cluster # 5 – banks with a low level of financial stability. The business model was analyzed, which is typical for the banks of each cluster. The distribution of banks on the Kohonen map shows that the market status and financial stability of the bank are largely related to its resource base and interest policy, with which the asset and liability management policy is agreed. Successful implementation of the development strategy of each bank is characterized by growth rates of its assets.
Authors and Affiliations
Alina Derkachenko, Yuliya Khudolii
Keywords
Related Articles
- EP ID EP297213
- DOI -
- Views 211
- Downloads 0
Методичні аспекти облікового відображення імпортних операцій підприємства
В умовах глобалізації економіки тема обліку та оподаткування імпорту та експорту є актуальною як в теоретичній, так і практичній площині. З одного боку, постійно збільшується кількість підприємств, що займаються зовнішнь...
Depreciation of Enterprise Assets in Wartime
The war causes dangerous and unpredictable conditions for using property, the impossibility of determining the period of its useful operation. The risks of losing property are considerable. In Ukraine, the property of ag...
Оцінка інвестиційно-кредитного потенціалу підприємств АПК
Залучення кредитних інвестицій в аграрний сектор є важливою умовою розвитку підприємств АПК. В процесі активізації інвестиційно-кредитної діяльності банків сільськогосподарські підприємства повинні мати характеристики пр...
The Effect of Audit Quality, Financial Condition and Earnings Management on the Going Concern Audit Opinion with Corporate Mechanism as a Moderating Variable
Going concern is an accounting term used to describe a business that is expected to operate for the foreseeable future or at least the next 12 months. The concept of going concern is particularly relevant in times of eco...
Етапи становлення інтегрованої звітності
Сучасні тенденції розвитку світової економіки сприяли зростанню інформаційних запитів ключових стейкхолдерів, що обумовило розкриття в бухгалтерській звітності як фінансової, так і нефінансової інформації, щодо різних ел...