The term “bank business model” has been introduced in the banking regulation with the Basel Committee since 2010, but it hasn’t been defined. In the article the critical analysis of theoretical approaches to defining the essence of bank business model has been given. It is determined that the only interpretation of this term has been absent, and the authors in their researches have refered to the business model definition. Descriptive and constructive definitions of the term “bank business model” have been offered. A descriptive definition identify the bank business model as a conceptual research tool for the bank, which reflects the logic of making a profit by providing a description of the main elements of business processes, their relationships, as well as the system of relations with the external environment and provides a simplified holistic view of the bank. Constructive definition justifies the need to study the bank business model at three levels: structural level – through the assessment of the structure of attraction and allocation of financial resources, systemic level – in terms of system analysis, which requires a description of the bank's business elements, their relationships, functions, processes and relationships and strategic level – as the internal capabilities of the bank must correspond to its position (competitive position) in the banking service market. The relationship between the bank business model and its development strategy has been determined. The bank's development strategy is based on a system of quantitative and qualitative indicators of development, reflected in financial plans, marketing policy, information technology development concept, personnel policy, the starting points for the creation and adjustment of which are functional strategies, coordination between which is possible if development strategy contains a description of the bank's business model – a comprehensive view of the object being modeled, accurately identifies its activities, which meets the requirements of the time, relevant to the current view of the banking business and allows the bank to achieve its goals.

It is substantiated that most of the existing methods and models for assessing the development of the banking sector of the economy do not take into account the competitive conditions for banks of different groups – with national capital and foreign banking groups. This determines the relevance of the study to improve the methodical approach to statistical assessment of competitive conditions in the development of the banking sector in the presence of foreign banks in the financial market. The scientific work proposes to assess the competitive conditions in the banking sector, in particular those created for domestic banks under the influence of foreign presence, by the level of the coefficient of competitive internalization. Eight gradations of the coefficient level were established by the expert method. Due to the use of mathematical calculation method and official statistics, it was found that the level of competitive internalization in the banking sector of Ukraine over the past decade is mostly dangerous, with a tendency to deteriorate. The coefficients of competitive internalization for the banking sectors of the Commonwealth of Independent States and the European Union have been calculated. It is determined that the level of influence of foreign banks in the banking sector of Ukraine can be compared with the conditions of competitive development of national banks of Moldova and Slovenia. The use of competitive internalization coefficient in practice as a statistical data will create a basis for determining the direction of integration processes. We are convinced that the integration of Ukrainian banks into the banking sector of Moldova or Slovenia is possible.

ВИЗНАЧЕННЯ ВИДІВ БІЗНЕС-МОДЕЛЕЙ БАНКІВ В БАНКІВСЬКІЙ СИСТЕМІ УКРАЇНИ DETERMINATION OF BANK BUSINESS MODEL TYPES IN UKRAINIAN BANKING SYSTEM Онищенко Ю.І. кандидат економічних наук, доцент, доцент кафедри банківської справи, Одеський національний економічний університет Заяць Е.Л. студент факультету фінансів та банківської справи, Одеський національний економічний університет

Onyshchenko, Y. (2019) Peredumovy formuvannia tsyfrovoi biznes-modeli bankiv v Ukraini [The background of the digital bank business model forming in Ukraine]. Sotsialno-ekonomichni problemy i derzhava [Socio-Economic Problems and the State] (

Highly concentrated banking system risks and the cumulative effect due to their accumulation act as a driver for improving the macro-prudential policy implemented by central banks. For this reason, an effectively and comprehensively assessed systemic risk in the banking system is declared an express condition for the early detection of its production sources and blocking of potential spreading channels, reducing the possible implementation. In light of this, the article develops an approach to the aggregated systemic risk assessment and interpretation of its results. The proposed approach is based on the considered influence exerted by financial risks of systemically important banks on the destabilized banking system and interconnections between banks in the context of the possible crisis impulse spreading. The following steps should be accomplished to form an aggregated systemic risk indicator in the banking system. Firstly, the differentiation of systemically important banks by the degree of their systemic importance; secondly, an integral assessment of the bank operation riskiness within certain bank groups; thirdly, the cumulative composition of the corresponding integral indicators, taking into account their weighting coefficients based on two criteria, namely values of the systemic importance indicator differentiating the bank groups, and the correlation of their risks. Interpreting the quantitative measurement results with regard to the systemic risk in the banking system is followed by the recommendations below: the systemic risk grading into high, medium and low levels and the respective definition of the threshold aggregated systemic risk indicator value which informs about the possible systemic crisis when approached; justification of the selected supervision regime types (strengthened, moderate or weakened) for systemically important banks, depending on the riskiness level specific for their operation and the systemic importance degree. The developed approach to measuring the systemic risk by means of constructing an aggregated indicator and interpreting the obtained results was being tested considering the financial risk indicators of the systemically important banks in Ukraine during 2009–2018.