Метою статті є визначення бізнес-моделей на основі кластерного аналізу для врахування в методиках
оцінювання фінансової стійкості та стабільності. Розглянуто підходи до класифікації бізнес-моделей банків. За
допомогою розробленої системи чинників-симптомів проведено кластеризацію банків України задля виявлення наявних
бізнес-моделей. За результатами кластерного аналізу сформовано три бізнес-моделі банків, а саме вузько орієнтовані,
інвестиційні банки; диверсифіковані банки та корпоративні банки. Встановлено, що подальшого дослідження потребують
бізнес-моделі, які сформувалися в процесі діджиталізації; визначення оптимальної бізнес-моделі, що характеризувалася
фінансово стійким розвитком з адекватним рівнем ризику і при цьому враховувала інтереси усіх стйкхолдерів.
The purpose of this article is to to define business models based on cluster analysis for use in methods of assessing
financial stability and stability. Approaches to the classification of business models of banks are considered, namely: by indicators
of financial stability; by size of assets; by type of strategy; by areas of activity; based on historical experience and trends in
international banking; according to the indicators of the SREP system; by structure of assets and liabilities, by form of ownership;
by the level of equity, deposits, loans, interbank loans; based on two criteria, such as the types of customers and the range
of products offered. The methodological basis is the use of methods of scientific knowledge, cluster and comparative analysis,
generalization. With the help of the developed system of symptom factors, the banks of Ukraine were clustered in order to identify
existing business models. Quantitative measurement to determine market segments, used 7 indicators to form clusters. These
include: interbank loans (in% of assets), funds of other banks (in% of assets); loans to legal entities (in% of assets); deposits of
legal entities (in% of assets), loans to individuals (in% of assets), deposits of individuals (in% of assets), investment portfolio (in%
of assets). According to the results of cluster analysis, three business models of banks were formed, namely narrowly oriented
investment banks; diversified banks and corporate banks. Graphically depicts and describes the migration of banks according
to their business models. It is established that business models formed in the process of digitalization need further research; determining the optimal business model, characterized by financially sustainable development with an adequate level of risk and
taking into account the interests of all stakeholders
