У статті досліджено розвиток теоретичної думки щодо розуміння сутності поняття «бізнес-модель».
Запропонований підхід щодо ідентифікації бізнес-моделей банків відповідно до класифікації банківських установ, яка
міститься в українському законодавстві. Нині згідно з положеннями Закону України «Про банки і банківську діяльність»
та Інструкції про порядок регулювання діяльності банків в Україні залежно від впливу на показники банківської системи
виділяють системно важливі банки; залежно від структури балансу – ощадний банк та банк довірчого управління.
У статті проаналізовано, як змінювалася структура банківської системи України відповідно до типів банків, що
встановлені на законодавчому рівні. Встановлено, що структура банківської системи України за бізнес-моделями банків
у цілому вирівнюється – окремі групи стають більш збалансованими за кількістю та ринковими частками.
Introduction.Legislative support does not even pay attention to the interpretation of the concept of business model
of the bank, which complicates the possibility of using this management tool in the activities of banks. At the same time, the
development of the concept of the bank's business model requires the formation of clearly defined legislative criteria for their use
in the implementation of banking regulation and supervision, which are currently lacking. Purpose.The purpose of the study is
the substantiation of the development of business models of banks in accordance with statutory criteria. Results. According to the
results of the analysis of approaches and financial reporting of banks, periods of change in the division of banks into groups were
identified, which allowed to justify the following stages: post-crisis (2010); the beginning of the reform of the banking sector of
the economy (2015); modern (2021). In the post-crisis period of its development, banks avoid acquiring the status of specialized
and there are a significant number of small banks, which are mostly so-called captive banks. In 2015, there was a reduction in
the number of small banks and an increase in their market share. The number of systemically important banks is increasing. The
number of savings banks is also increasing, as in crisis conditions, household savings are becoming a priority source of resource
base. There are currently 73 banks operating in Ukraine. The share of state-owned banks is declining, but they still concentrate
more than half of the net assets of Ukraine's banking system. Conclusions.The structure of the banking system of Ukraine according
to the business models of banks is generally aligned. Some groups of banks are becoming more balanced in number and market
shares, as well as in the number of systemically important banks. At the same time, the negative specifics of the banking system
of Ukraine at the present stage include a significant share of the state in the sector and the share of systemically important banks
among state-owned banks. The number and size of assets of specialized savings banks is growing.
