Aplikácia strategických metód na hodnotenie portfólia bankových produktov
APPLICATION OF STRATEGIC METHODS FOR EVALUATION OF PORTFOLIO BANKING PRODUCTS

Summary/Abstract: The transition of the Slovak as well as the Czech and Polish economy to market con-ditions is bringing important changes into the banking systems of these countries. The globalization of the banking sector and its privatization by foreign capital, as well as adapting to the conditions of the European Union, and the growing competition from non-banking entities, force banks to look for relatively new approaches in all fields of their activities. The evaluation of bank portfolio belongs here, too.The aim of this article is to apply tools of strategic management for evaluation of products which are offered by commercial banks in Slovakia, in the Czech Republic and Poland. The purpose of the application of the tools of strategic management is to show the need for strategic evaluation of existing banking products and the need for changes in the structure of portfolios for banking products, emphasising on the creation of partial product strategies, as well as the creation of bank strategies from an economic viewpoint. Also when judging bank risks it is even more obvious that it is the change of portfolio and introducing new products that are relatively risky issues which require not only the creation of a corresponding volume of reserves, but also effective strategies.Forming strategies for single products, as well as for bank institutions as a whole, is, for the present dynamic market conditions, amply justified. In today’s economy, not only is it necessary to plan strategic management for manufacturing companies, but more so to pay close attention to problems of strategic management of companies providing ser-vices, and in particular, banking. At present it is the banking sector that participates sig-nificantly in the development of the economy as a whole. Today the economy of a coun-try depends on the banking sector, and the banking sector is influenced by the decision and work of its management, which foresees changes that the future will bring.

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