Alina K. YAKOVLEVAInstitute of Economics and Management, Kemerovo State University (KemSU), Kemerovo, Russian Federation yakovlevaalina16@mail.ru ORCID id: not available
Elena A. FEDULOVAInstitute of Economics and Management, Kemerovo State University (KemSU), Kemerovo, Russian Federation fedulovaea@mail.ru ORCID id: not available
Subject. The article considers the process of effective operation of structured financial instruments in the ecosystem of a commercial bank. Objectives. The main purpose is to evaluate the economic viability of structured financial instruments in the commercial bank’s ecosystem. The primary targets include defining the position of structured financial instruments in the bank’s ecosystem, revealing their performance criteria, and evaluating their cost parameters for the profitability of the bank and its customers. Methods. We employ the systems analysis, which enables to provide the integrity of the study, the comparative and statistical analysis of the data that determine the rate of return and efficiency of structured financial instruments in commercial bank’s ecosystem, and unveil the interrelation and interdependence of analyzed parameters. Results. We define the position of structured financial products in the ecosystem of the bank, analyze their efficiency, and formulate proposals to improve their performance. Conclusions. The evaluation of economic effectiveness of structured financial instruments in commercial banks’ ecosystem demonstrates that raising funds from customers in structured products is always profitable for any bank. Therefore, it is important to improve the process of structured financial instruments’ development and operation in the bank’s ecosystem, and to aim at enhancing the product quality for customers.
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