CONCEPTUAL BASES FOR THE RESEARCH OF THE PROCESS OF EVALUATING THE EFFECTIVENESS OF THE BANK’S ACTIVITIES

Abstract

An analysis of the factors of economic growth that determine the development of the banking sector and the banking industry. The main factors of economic growth include financial, human and information technology resources. The basis of information and technological support of banks are the processes of digitalization. Methods and models for solving structured, poorly structured and unstructured problems that have the necessary mathematical tools are analyzed for sound analysis and evaluation of the efficiency of banks. The article proposes a conceptual model for evaluating the efficiency of the bank, which is based on the use of fuzzy logic tools, and allows the analysis of production (operational), financial, economic and management subsystems of the bank and form an integrated indicator of efficiency of the banking system. The model of assessing the efficiency of the bank is based on the method of assessing the competitive status of the enterprise in the market, modified taking into account approaches to assessing the financial condition. The developed conceptual model for evaluating the effectiveness of banks can be used to improve decision-making systems used in the activities of banking institutions. Implementation of the conceptual model in each bank will allow at the system level to conduct model experiments to assess the effectiveness of the bank’s operation and development, develop practical recommendations and ways to improve the efficiency of Ukrainian banks, take into account the introduction of banking services to provide customers with banking services.