Afanasenko M. Rating evaluation of activity of banks and their branches

Object of research: process evaluation of the banks and their units, which are branches and subsidiaries of banks; objective: development of theoretical positions and methodological support and develop practical recommendations on the rating of banks and their units subject to the financial condition; methods and apparatus: structural and logical analysis, morphological analysis, morphological decomposition, functional analysis, and synthesis, taxonomic analysis, cluster analysis, discriminant analysis, shell analysis (DEA); theoretical and practical results: methodical approach to the rating of the bank feature of which is using an optimization model for the input parameters estimation: the total number of employees, operating expenses, the level of customer satisfaction quality of service and output parameters: total loans and total deposits during the reporting period that allows you to compare the costs of labor and capital unit of volume made it operations and define this size input parameters that will be on the verge of unit effectiveness; methodological support decisions on further development of activities of the bank based chotyrohkvadrantnoyi matrix, based on the proposed measure the effectiveness of the unit and its level of profitability with their boundary values, which increases the validity of administrative decisions, methodical approach to rating banks in contrast to the existing involves their estimation by optimization model input parameters such as total bank deposits, fixed assets and operating costs, and output parameters, including the amount of loan portfolio, the value interest income and non-interest income, the definition of "rating"; the difference consists in its sense as a comprehensive comparative evaluation of the economic system to management decisions based on data from financial statements and expert estimates; the procedure of classification of banks, developed on the basis of the experiment their distribution in groups such as classification attributes the overall size of bank assets and intellectual figure of his financial condition; the degree of implementation: design implemented in practice Ltd "World Finance" JSC "Privat", JSC "Brokbiznesbank"; scope: rating rating of banks and their units