Analysis technology of a bank’s competitive position in the deposit market
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DOIhttp://dx.doi.org/10.21511/dm.18(4).2020.05
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Article InfoVolume 18 2020, Issue #4, pp. 41-56
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The structurally balanced resource base of a bank determines its ability to achieve its goals and, as a result, its performance and has a decisive impact on the reproductive process in the economy by converting borrowed funds into investments. Despite a significant reduction in the number of banks over the past 10 years (from 175 to 73), the deposit market is a highly competitive environment. This necessitates the search for approaches to the formation of deposit resources that are adequate to modern conditions, aimed at their stabilization and sufficiency. The objective of the study is to develop a technology for analyzing a bank’s competitive position in the deposit market, which is the basis for choosing a strategy for managing the formation and use of the bank’s deposit resources. The technology of analysis of the bank’s competitive position in the deposit market consists of the following stages: building a system of indicators characterizing the formation and use of bank’s deposit resources, calculation and analysis of integrated taxonomic indicators of the formation and use of a bank’s deposit resources, developing the “formation of a bank’s deposit resources – use of a bank’s deposit resources” matrix, positioning of banks in this matrix, determining the strategies for the formation and use of a bank’s deposit resources, and making appropriate management decisions and their implementation. The proposed technology has been tested on the example of existing banks in Ukraine as of January 1, 2021. Its use allows determining the current competitive position of a bank in the deposit market and choosing a strategy for managing the formation and use of deposit resources from the proposed: preservation, activation, balancing, directed action, intensification, and aggressive strategy.
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JEL Classification (Paper profile tab)G21, C43, L1, O12
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References25
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Tables5
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Figures4
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- Figure 1. Послідовність етапів проведення аналізу конкурентної позиції банку на депозитному ринку
- Figure 2. Алгоритм застосування методики побудови інтервальної шкали за правилом «трьох сигм»
- Figure 3. Розподіл банків України за рівнями інтегральних показників формування та використання депозитних ресурсів станом на 01.01.2021 р.
- Figure 4. Матриця «інтегральний показник оцінки формування депозитних ресурсів банку – інтегральний показник оцінки використання депозитних ресурсів банку»
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- Table 1. Значення інтегральних показників оцінки формування та використання депозитних ресурсів банків України
- Table 2. Статистичні характеристики розподілу інтегральних показників оцінки формування та використання депозитних ресурсів банків України
- Table 2. Статистичні характеристики розподілу інтегральних показників оцінки формування та використання депозитних ресурсів банків України
- Table 4. Рівні інтегральних показників оцінки формування та використання депозитних ресурсів банків України
- Table 5. Позиціонування підприємств в матриці «інтегральний показник оцінки формування депозитних ресурсів банку – інтегральний показник оцінки використання депозитних ресурсів банку»
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