УДК 336.71; 338.46
DOI: 10.22412/1993-7768-11-3-5

Changing approaches to the methodology of comprehensive analysis of banking services in the current economic conditions

Anna S. Kostovarova,
State Corporation Deposit Insurance Agency, Moscow, Russian Federation

In the current economic conditions, banks pay attention not only to the basic functions associated with handling and increment of the capital, but also additional functions, such as financial services to individuals and legal entities. In this regard, the development strategy of banks significantly changes – it must be aimed not only at ensuring Bank liquidity, but economic sustainability, which components are efficiency and competitiveness. To develop a new strategy banks need the other information that requires a revision not only of the data collection, but also processing and synthesis, that means the methods of analysis. This urgent challenge facing the banking community is the main content of this article. The author proposes to consider the possibility of changing approaches to methodology of a comprehensive analysis of the banks. According to the author, a comprehensive analysis should include two parts: the first involves the strategic positioning of the Bank, the second is the assessment of the organization effectiveness. The first block combines analysis of the main strategic alternatives based on the identification and assessment of the influence degree of external business environment factors and business processes. The second block, in particular, assesses the resource potential; cost and benefit analysis; financial condition; quality of services and level of service. Personal contribution of the author to the improvement of comprehensive analysis techniques is clarifying composition of economic indicators to assess strategic position, competitiveness, business processes, and their interpretation.

Keywords: Bank organization (bank), banking service, comprehensive analysis, development strategy, quality of service
For citation: Kostovarova A.S., Changing approaches to the methodology of comprehensive analysis of banking services in the current economic conditions. Servis plus, vol. 11, no. 3, 2017, pp. 39-46. DOI: 10.22412/1993-7768-11-3-5
Submitted: 2017/05/10
Accepted: 2017/06/26



  1. Zaernyuk V.M., Chernikova L.I. The economic model of the market development of banking services: conceptual approach. Finansy i kredit, no. 7 (487), 2012, pp. 41–48. (In Russ.)
  2. Zvorykina T.I., Mukhamedzhanova O.G., Ermakov A.S., The interaction model of the system of evaluation and certification of personnel qualification in the sphere of service. Vestnik Assotsiatsii vuzov turizma i servisa, no. 2, 2012, pp. 25–29. (In Russ.)
  3. Isaev R.A., Ways to ensure and improve the quality of the customer service. Metody menedzhmenta kachestva, no. 6, 2011. (In Russ.)
  4. Lavrushin O.I., From the theory of the Bank to modern problems of its development in the economy. Bankovskoe delo, no. 7, 2014, pp. 2–9. (In Russ.)
  5. Lavrushin O.I., Bank management. 2nd edition revised and expanded. Moscow, 2009, 560 p. (In Russ.)
  6. Lobov A.V., Kolesnikova M.V., The research and analysis of banking service industry market. Ekonomika i menedzhment innovatsionnykh tekhnologii, no. 12, 2016. [Electronic resource]. (In Russ.) Available at:: (Accessed on  February 19, 2017). (In Russ.)
  7. Silaeva A.A., Regulation of the social component of banking services at the present stage in Russia. Servis v Rossii i za rubezhom, no. 7 (34), 2012, pp. 39–49. (In Russ.)
  8. Trifonov A.K., Bank liquidity. Bankovskoe delo, no. 10, 2006. (In Russ.)
  9. Kharitonova T.V., Analysis of economic activities of social enterprises: student book. Moscow: MGUS, 2006, 37 p. (In Russ.)
  10. Kharitonova T.V., Comprehensive analysis methodology of economic activity of enterprises of services. Goryachaya linyaya bukhgaltera, no. 13-14, 2004, pp. 55–60. (In Russ.)
  11. Kharitonova T.V., Strategic planning. Moscow: MGUS, 2007, 182 p. (In Russ.)
  12. Chernikova L.I., Faizova G.R., Silaeva A.A., Role of retail banking business and improvement of the methodological approach in the retail segment: monograph. Moscow: Izd-vo «Rusains», 2015, 180 p. (In Russ.)
  13. Chuprina V.Yu., Zaitseva T.V., Trends and prospects of development of the market of banking products and services in the Russian Federation. Economic science today: theory and practice : Proceedings of the IV International scientific-practical conference. (Cheboksary, the 30th of April 2016). Cheboksary: TsNS «Interaktiv plyus», 2016, pp. 163–166. (In Russ.)
  14. Sharkova A.V., Gur’yanov V.O., Kachibaya P.S., The activity Assessment of the Russian VTB Bank in crisis and sanctions conditions. «Science and education in modern society». Proceedings of the International scientific-practical conference: 14 volumes, 2015, pp. 22–25. (In Russ.)
  15. Shcherbakov V.V., Analysis and evaluation of banking activities (on the basis of financial statements prepared under Russian and international standards). Moscow: «Vershina», 2012, 464 p. (In Russ.)
  16. Shchiborshch K.V., Analysis of economic activity of Russian enterprises. Moscow: Izd-vo «Delo i Servis», 2003, 320 p. (In Russ.)