Modeling the dynamics of development and improvement of banking institutions with cluster analysis tools

Harmatiy, Nataliya
Volobueva, Julia
Harmatii, Serhii
Surpita, Sophia

Ternopil Ivan Puluj National Technical University, 56 Ruska str., 46001 Ternopil, Ukraine

Harmatiy, N., Volobueva, J., Harmatii, S. & Surpita, S. (2021) Modeliuvannia dynamiky rozvytku ta vdoskonalennia bankivskykh ustanov instrumentariiem klasternoho analizu [Modeling the dynamics of development and improvement of banking institutions with cluster analysis tools]. Sotsialno-ekonomichni problemy i derzhava [Socio-Economic Problems and the State] (electronic journal), Vol. 25, no. 2, pp. 136-148. Available at: http://sepd.tntu.edu.ua/images/stories/pdf/2021/21hnmika.pdf

Scientific Journal "Socio-Economic Problems and the State"

2(25)

Nov-2021

Oct-2021

26-Jul-2022

Ternopil Ivan Puluj National Technical University

UA

Ternopil

https://orcid.org/0000- 0003-4426-9223

https://doi.org/10.33108/sepd2022.02.136

336.71:519.23(477)

F6
Z32

cluster analysis of Ukrainian banks
matrix of normalized values
dendrogram
dynamics of banks development

13

136-148

136

148

Scientific research of modern economic processes uses various tools for processing input information and interpretation of the results. One of the scientific methods that has received a wide range of practical applications is the method of economic objects research by cluster analysis. This method makes it possible through the transformation of the matrix of input indicators into a matrix of normalized values to have at the input of the study both quantitative and, if necessary, qualitative indicators, in index or percentage form of representation. The research result will be a matrix of distances, on the basis of which the final dendrogram, which visualizes the calculations carried out, is constructed. It is proven that the study of the national economy’s banking sector development dynamics through the formation of clusters is an important method of improving the forms of state, commercial and other forms of financial structures ownership by the main regulator National Bank of Ukraine and other governing bodies. Also, the study of the banking sector by external and domestic investors through the already formed clusters is appropriate and promisin as through the weights it is possible to focus on those financial and economic indicators that are currently of interest to investors. European experience in creating clusters and state support in these areas makes it possible to conclude how relevant from a scientific point of view and practical implementation the study of modern scientists in this field is. It is stated that within the national economy, there is already experience in creating clusters in various sectors of the economy, such as the creation of agricultural clusters, IT clusters in Lviv, Kharkiv, Dnipropetrovsk regions. The creation and implementation of cluster structures in the banking sector has not been fully studied and practically used, but there are many state and commercial companies and banks, which in our opinion should be combined into special clusters. This would also allow state institutions to monitor, share technologies and recent developments with companies that are united in cluster structures.

http://elartu.tntu.edu.ua/handle/lib/38582

2223-3822

Scientific Journal "Socio-Economic Problems and the State"

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Article

Scientific Journal "Socio-Economic Problems and the State", Vol.25, No.2