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TARGET PRICING IN BANKING MARKETING: UKRAINIAN BANKS CASE

Title:  TARGET PRICING IN BANKING MARKETING: UKRAINIAN BANKS CASE
Authors:  Zherdetska, Liliia
Affiliation:  Odessa National University of Economics 8 Preobrazhenskaya str., 65082, Odesa, Ukraine e-mail: lzherdetska@gmail.com
Bibliographic description:  Zherdetska, L. (2019) Tsilove tsinoutvorennia v bankivskomu marketynhu: pryklad ukrainskykh bankiv [Target pricing in banking marketing: ukrainian banks case]. Sotsialno-ekonomichni problemy i derzhava [Socio-Economic Problems and the State] (electronic journal), Vol. 21, no. 2, pp. 75-87. Available at: http://sepd.tntu.edu.ua/images/stories/pdf/2019/19zlvpub.pdf
Issue Date:  dec-2019
Submitted date:  oct-2019
Publisher:  Ternopil Ivan Puluj National Technical University

DOI:


https://doi.org/10.33108/sepd2019.02.075


UDC:  336.7
JEL:  G320
Keywords:  banks
target pricing
banking marketing
risk-weighted return on equity
Pages:  75-87
First page:  75
Last page:  87
Abstract:  Methodological approaches for conducting an operational cost analysis of banks' interest-bearing assets have been developed in the research. The correlation between the components of banking products price and the profitability (loss) of Ukrainian banks has been determined. The Ukrainian banks have been grouped according to the level of return on the shareholders’ equity. They have been divided into planes according to the share in the credit market and the share of profit in the price. The analysis shows that the most profitable banks have a high capital multiplier and a high level of non-interest income that is not exposed to credit risk. On this basis, depending on the share in the credit market and the share of profit in the price, the recommendations for target pricing strategies have been justified, taking into account the risk-weighted return on equity ratio.
URI:  http://elartu.tntu.edu.ua/handle/lib/30948
ISSN:  2223-3822
Copyright owner:  Scientific Journal "Socio-Economic Problems and the State"
URL-releated material: 

http://sepd.tntu.edu.ua/images/stories/pdf/2019/19zlvpub.pdf
https://www.dbresearch.com/PROD/RPS_EN-PROD/PROD0000000000451927/Pricing_in_retail_banking%3A_

Scope_for_boosting_cust.pdf
http://www.experian.com/assets/decision-analytics/white-papers/regionalization-of-price-optimization-white-paper.pdf
https://www.sales-flex.com/documents/2019_Jan_SalesFlex_Whitepaper-Commercial_Banking_Reenineered.pdf
https://bank.gov.ua/statistic/supervision-statist

References: 

1. Hladkykh, D. (1999) Tsinova struktura bankivsʹkykh posluh ta kredytnykh resursiv v Ukrayini [Price structure of banking services and credit resources in Ukraine]. Visnyk NBU (Bulletin of the National Bank of Ukraine), № 3, pp. 50 - 51.
2. Jarerah, T. (2009) Proposal form to use target system cost for upgrading pricing decisions. Administrative Journal, 31(116), pp. 81-106.
3. Bayou, M. E. (1998) Three Routes for Target Costing. Managerial Finance. Ph.D. Thesis, School of Management, University of Michigan-Dearborn. https://doi.org/10.1108/03074359810765318
4. Farouq Al Azzam (2013) Extent of the Target Cost Application in Commercial Banks in Aqaba Special Economic Zone. Asian Journal of Finance & Accounting. Vol 5, No 1. https://doi.org/10.5296/jmr.v5i1.2919
5. Suleiman El-Dalahmeh (2018) Extent of Implementing Target Costing and Value Engineering Approach to Reducing Costs: A Survey in Jordanian Shareholding Companies for Food Industries. Asian Journal of Finance & Accounting. Vol 10, No 1. https://doi.org/10.5296/ajfa.v10i1.12606
6. Matarneh, G. F.,. EL-Dalabeeh, A.-R. Kh (2016) The Role of Target Costing in Reducing Costs and Developing Products in the Jordanian Public Shareholding Industrial Companies. International Journal of Academic Research in Accounting, Finance and Management Sciences. Vol. 6, No. 4, pp. 301–312.
7. McKinsey Corporate Banking (2016) Price to Win. Create value through smarter pricing in a competitive interest rate environment.
8. Wruuck, P. (2013) Pricing in retail banking. Scope for boosting customer satisfaction & profitability. DB Research. Available at: https://www.dbresearch.com/PROD/RPS_EN-PROD/PROD0000000000451927/Pricing_in_retail_banking%3A_

Scope_for_boosting_cust.pdf.
9. Price optimization in retail consumer lending (2017). Available at: http://www.experian.com/assets/decision-analytics/white-papers/regionalization-of-price-optimization-white-paper.pdf.
10. Utku, О. (2019) Сommercial banking re-engineered. How digital and analytics can shape B2B banking? Available at: https://www.sales-flex.com/documents/2019_Jan_SalesFlex_Whitepaper-Commercial_Banking_Reenineered.pdf.
11. Dani nahlyadovoyi statystyky NBU [NBU Supervisory Statistics Data]. Available at: https://bank.gov.ua/statistic/supervision-statist.

Issue type:  Article
Appears in Collections:

Scientific Journal "Socio-Economic Problems and the State", Vol.21, No.2

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