Transformations of the resource management strategy of Ukrainian banks

Analysis of bank strategy changes using the SFGB method demonstrated its adequacy and usefulness for researching the development processes of the banking system, homogeneous groups of banks and each individual bank, from the point of view of its place in the market of banking services.

The structure of the banks' attracted and deployed resources reflects the general state of the economy during the war, the unstable nature of liabilities dominated by current resources, the reduction of credit operations, and ways to protect the solvency of banks using foreign securities and interbank assets. Transactions with government securities play an important role in the management of assets and liabilities of modern banks. The financial result of these operations ensures record profitability of the largest state banks.

The advantage of the SFGB method is also the possibility of modelling the strategy of individual banks, comparing their place on the map with neighbouring banks. Such a study will prevent the movement to those points where the liquidated banks were located and focus on the strategies of the leaders. The possibility of using the method for stress testing, modelling the bank's position in the event of transition to some realistic or negative forecast values of the indicators is proven. The predictive value on the map provides an opportunity to assess the consequences of choosing one or another bank resource management strategy.

Further research is related to the application of the SFGB method for complex economic systems described by a significant number of indicators. Along with banks, it is possible and important to examine the characteristics of non-bank financial institutions that also provide monthly statements. Stock exchanges are an interesting object for clustering, which can be analyzed from the point of view of possible manipulations on the capital market.

As studies have shown, the grouping of financial market subjects by the SFGB method using a large number of indicators provides useful information for identifying areas of increased risks.

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