Mazharov D. Models of evaluation of the banking institutions efficiency in an unstable economic environment.

The dissertation research is devoted to improving the theoretical foundations and developing a set of economic and mathematical methods and models for assessing the effectiveness of banks in an unstable economic environment and the formation of effective methods for analyzing factors affecting the effectiveness of Ukrainian banks. The dissertation provides a theoretical generalization and a new solution to a scientific problem on the development of methodological provisions and the corresponding system of economic and mathematical models for assessing the effectiveness of banks, analyzing factors that cause a statistically significant impact on efficiency and researching causal relationships between efficiency and profitability in an unstable economic environment. The paper notes that today there are many unresolved theoretical and applied aspects of determining and assessing the effectiveness of banks. In particular, both the conceptual apparatus and the methodological foundations of the analysis of the effectiveness of the banking business remain are not unified. One of the main problems of the correct economic interpretation of the economic essence of the term "banking efficiency" is primarily in the presence of a significant number of synonyms, such as productivity, profitability, profitability, efficiency, etc., which scientists actively use in their research, sometimes replacing one concept to others. Methodological approaches to assessing effectiveness provide for the systematization of assessment tools in the context of each type of effectiveness, allows to highlight the following most common approaches to assessing effectiveness: coefficient 8 approach, analytical approach, RAPM approach, and approaches based on the construction of efficiency boundaries. Summarizing the existing approaches to assessing the effectiveness of banking, it can be considered that the most flexible approach to assessing the effectiveness of a bank as the ratio of the beneficial effect to the cost of obtaining it is to present overall efficiency in the form of a composition of effectiveness and productivity, which in turn are considered mutually exclusive categories.