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Financial scoring of Ukrainian banks
Reliability scoring index
Bank Market Scoring - the system of assessing the bank market power and dynamism by transferring to scores of previously calculated economic indicators. The result of the YouControl bank market score s is the composite index MarketScore.
Bank_MarketScore is the scoring index of the bank’s market capacity, calculated by YouControl analytical department, based on 10 indicators that comprehensively reflect the bank’s market share, its place in the sector, and growth dynamics compared to its competitors.
The index is used primarily for comparison with competitors in the Ukrainian banking market; therefore, it is not sensitive to market share in the international market.
The index reflects the bank market capacity compared to others in the sector.
The range of MarketScore index values can vary from 1 (minimum market capacity) to 4 (maximum market capacity), depending on the combination of bank indicators.
The purpose of the index is to quickly and comprehensively reflect the size of the bank in the process of evaluating contractors, as well as to show its dynamics over a long period
Bank_MarketScore
Bank_MarketScore is a scoring index of the company's market power calculated by the YouControl analytical department, based on 10 indicators that comprehensively reflect the bank's market share, its place in the sector, and its growth dynamics compared to its competitors. The range of Bank_MarketScore index values can vary from 1 (minimum market power) to 4 (maximum market power), depending on the combination of bank indicators.
Market share in assets
Market share in assets = net bank Assets / net system Assets x 100%
Market share in assets - відносна частка банку у сукупних чистих активах банківської системи. Показник вказує на загальну ринкову потужність банку.
Bank ranking by assets
A rank number among banks ranked by net assets
Bank ranking by assets - порядковий номер (ранг) банку серед інших банків системи, поранжованих за чистими активами (без врахування резервів). Загалом, чим менше значення, тим більшим є банк з точки зору контрольованих активів.
Cumulative average annual growth rate of assets
CAGR of ass
The cumulative average annual growth rate (CAGR) of assets characterizes the sustainability of the bank’s development over the previous 3 years. The indicator shows how much interest the net assets of the bank grew on average per year.
Market share in deposits
Market share in deposits = Bank deposits / System deposits x 100%
Market share in deposits - відносна частка банку у сукупних депозитах банківської системи. Показник вказує на ринкову потужність банку в секторі залучення депозитів.
Bank ranking by deposits
A rank number among banks ranked by deposits
Bank ranking by deposits - порядковий номер (ранг) банку серед інших банків системи, поранжованих за депозитами юридичних та фізичних осіб (за винятком коштів банків). Загалом, чим менше значення, тим більшим є банк з точки зору залучених депозитів.
Cumulative average annual growth rate of deposits
CAGR of deposits = ((Deposits / Deposits 3 years ago) ^ (1 / n) - 1) x 100%, where n = 3 + (month / 12)
The cumulative average annual growth rate (CAGR) of assets characterizes the sustainability of the bank’s development over the previous 3 years. The indicator shows how much interest the net assets of the bank grew on average per year.
Market share in corporate loans
Market share in corporate loans = Corporate bank loans / Corporate system loans x 100%
Market share in corporate loans - відносна частка банку у сукупних корпоративних кредитах банківської системи. Показник вказує на ринкову потужність банку в секторі кредитування юридичних осіб.
Bank ranking by corporate loans
A rank number among banks ranked by corporate loans
Місце банку за корпоративними кредитами - порядковий номер (ранг) банку серед інших банків системи, поранжованих за кредитами, наданими юридичним особам (за винятком інших банків). Загалом, чим менше значення, тим більшим є банк з точки зору кредитування галузей економіки.
Share of funds in other banks
Частка за коштами в інших банках = Кошти банку в інших банках / Кошти українських банків в інших банках по системі x 100%
Share of funds in other banks - відносна частка банку в загальному обсязі коштів, наданих іншим банкам по системі в цілому. Показник вказує на ринкову потужність банку в якості кредитора на міжбанківському ринку.
Share on received funds of banks
Share of funds received from banks = Funds from other banks / Funds from other banks in the system x 100%
Share on received funds of banks - відносна частка банку в загальному обсязі отриманих коштів від інших банків по системі в цілому. Показник вказує на ринкову потужність банку в залученні міжбанківського фондування.
The values of each of the indicators included in the Bank_MarketScore index are automatically converted to scores from 1 to 4, depending on the location relative to the empirical quartiles of the distribution of the corresponding indicator values for other banks. If the value of the bank indicator tends to the most positive in terms of market power values, it gets 4 scores for this indicator. Banks with the worst indicators get lower scores.
Suppose that the empirical quartiles of the indicator distribution “Market Share in assets” (a_MkS) for the year in the banking system were [0.3%, 5%, 10%]. Therefore, the score for this indicator is calculated for the bank as follows:
If the market share of bank assets is very high (a_MkS> 10%), the bank gets 4 scores.
Якщо 5 < a_MkS < 10%, банк отримає 3 бали.
Якщо 0,3% < a_MkS < 5%, банк отримає 2 бали.
Якщо a_MkS < 0,3%, банк отримає лише 1 бал.
Scores of the other indicators-components of the Bank_MarketScore index are calculated similarly
Fi
score, received by the company for the factor expressed by the indicator i. Limit:
Wi
– weight of factor
Fi
— Constraint:
n – number of index indicators. n= 10.
For banks for which there is no possibility to calculate the full list of indicator components, the Bank_MarketScore index is not calculated. However, the values of the parts of the existing components can always be found on the YouControl website.
Based on the numerical value of the Bank_MarketScore (from 4 to 1), each studied bank is assigned the Bank_MarketScore letter value, reflecting the level of market power and dynamism of the bank compared to its competitors.
High level of market power
Above Bank_Marketscore upper distribution quartile
Good level of market power
Above Bank_Marketscore distribution median
Satisfactory level of market power
Above Bank_Marketscore bottom distribution quartile
Unsatisfactory level of market power
Below Bank_Marketscore lower distribution quartile
Based on the numerical value of the Bank_MarketScore (from 4 to 1), each studied bank is assigned the Bank_MarketScore letter value, reflecting the level of market power and dynamism of the bank compared to its competitors.
The purpose of the Bank_MarketScore calculation is an express analysis of the bank’s market power, on the results of which you can quickly decide on the size of a bank among participants in the banking sector. Please note that this index reflects only the size, not the reliability of the bank, so it cannot be equated with a credit rating or financial risk index.
That is why the Bank_MarketScore index does not concern the probability of bank failure because reliability does not depend on the scale of the bank’s activities. This is an information product that reflects YouControl opinion on the bank overall size and dynamic growth. The final decision on the bank market power should be made by users taking into account other, including qualitative, factors and additional sources of information.
The Bank_MarketScore index components were calculated depending on the role that the bank plays in terms of assets, as well as in the deposit, credit and interbank market segments.
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