student
This article explores the role of business analytics (BI) as a key tool for shaping economic policy and strategic development at large banks. Key challenges are identified: data fragmentation and the gap between operational analytics and strategy. A comprehensive set of solutions is proposed, including the implementation of unified platforms for strategic data and scenario modeling tools. Examples from leading banks demonstrate the achievability of results: increased profitability forecast accuracy and capital structure optimization. Success depends on synchronized technological modernization and the development of a data-driven management culture.
business analytics, strategic management, bank economic policy, digital platform, predictive analytics, business model transformation
1. AO «AL'FA-BANK». Godovaya buhgalterskaya otchetnost' za 2023 god. [Elektronnyy resurs] URL: https://www.e-disclosure.ru/portal/files.aspx?id=3043&type=5 (Data obrascheniya: 10.11.2025).
2. AO «AL'FA-BANK». Promezhutochnaya buhgalterskaya otchetnost'. [Elektronnyy resurs] URL: https://www.e-disclosure.ru/portal/files.aspx?id=1389&type=3 (Data obrascheniya: 12.11.2025).
3. Bank Rossii. Kreditnaya organizaciya № 1000. Otchet za 2024 god. [Elektronnyy resurs] URL: https://cbr.ru/banking_sector/credit/coinfo/f807/1904/?regnum=1000&dt=202401 (Data obrascheniya: 11.11.2025).
4. Bank Rossii. Kreditnaya organizaciya № 1481. Otchet za 2024 god. [Elektronnyy resurs] URL: https://cbr.ru/banking_sector/credit/coinfo/f807/1904/?regnum=1481&dt=202401 (Data obrascheniya: 11.11.2025).
5. Vasil'ev S.A. Banki, finansovye platformy i Big Data: tendencii razvitiya i napravleniya regulirovaniya // Finansovyy zhurnal. — 2022. — № 3. — S. 45–58. URL: https://cyberleninka.ru/article/n/banki-finansovye-platformy-i-big-data-tendentsii-razvitiya-i-napravleniya-regulirovaniya (data obrascheniya: 06.12.2025).
6. Bankovskaya sfera Rossii v 2025 godu: klyuchevye trendy i perspektivy razvitiya. Banki.ru, 26.04.2025. URL: https://www.banki.ru/dialog/articles/26085/ (data obrascheniya: 06.12.2025).
7. Bank kak servis: analitiki vyyasnili strategicheskie plany bankov na 2025–2027 gody. Nacional'nyy bankovskiy zhurnal, 04.10.2024. URL: https://nbj.ru/publs/bank_kak_servis_analitiki_vyyasnili_chto_zh/67055/ (data obrascheniya: 06.12.2025).
8. Monografii po vzaimodeystviyu bankovskogo i real'nogo sektorov ekonomiki. Yugo-Zapadnyy gosudarstvennyy universitet, 2015–2022. URL: https://swsu.ru/structura/up/ef/fik/monographs.php (data obrascheniya: 06.12.2025).
9. O razvitii finansovogo sektora RF: banki i investicii v 2025 godu. Vysshaya shkola ekonomiki, 29.01.2025. URL: https://wsem.ru/publications/o_razvitii_finansovogo_sektora_rf_banki_i_investitsii_v_2025_g__31621/ (data obrascheniya: 06.12.2025).
10. Panova E. Banki i bankovskiy biznes v cifrovoy ekonomike: monografiya (recenziya). MGIMO, 2021. URL: https://mirec.mgimo.ru/2021/2021-03/banks-panova-review (data obrascheniya: 06.12.2025).
11. Analiz rossiyskogo rynka bankovskih uslug i prognoz razvitiya sektora do 2026 goda. Ekspert RA, 03.11.2023. URL: https://raexpert.ru/researches/banks/bank_services_2023a/ (data obrascheniya: 06.12.2025).
12. Gazprombank podvel itogi deyatel'nosti za 1 kvartal 2025 goda v sootvetstvii s mezhdunarodnymi standartami. Associaciya rossiyskih bankov, 2025. URL: https://asros.ru/news/members/gazprombank-podvel-itogi-deyatelnosti-za-1-kvartal-2025-goda-v-sootvetstvii-s-mezhdunarodnymi-standa/ (data obrascheniya: 08.12.2025).
13. Otchety i zaklyucheniya po itogam goda. Rossiyskiy sel'skohozyaystvennyy bank (RSHB). URL: https://www.rshb.ru/about/reports-conclusion/annual (data obrascheniya: 08.12.2025).
14. Nikiforova N.A., Shihov A.A. Analiz primeneniya tehnologii Business Intelligence v bankovskoy sfere // Vestnik Akademii znaniy. 2024. № 6 (65). S. 596-601. EDN: https://elibrary.ru/UDKVES
15. Rudakova O.S., Sipratov R.O. Primenenie tehnologii Business Intelligence v celyah modernizacii sistemy upravleniya riskami kreditnoy organizacii // Bankovskie uslugi. 2023. № 1. S. 9-15. DOI:https://doi.org/10.36992/2075-1915_2023_1_9. EDN: https://elibrary.ru/VVICFT
16. Annenkova E.A. Mehanizm cifrovoy transformacii rossiyskih bankov v sovremennyh usloviyah // Intellekt. Innovacii. Investicii. 2023. № 3. S. 42-51. DOI:https://doi.org/10.25198/2077-7175-2023-3-42. EDN: https://elibrary.ru/VSGDQA
17. Scherbakov G.A. Cifrovye ekosistemy kak instrument dostizheniya konkurentnyh preimuschestv na finansovom rynke: sistemnyy analiz problemy // MIR (Modernizaciya. Innovacii. Razvitie). 2022. T. 13. №1. S. 42-59. DOI:https://doi.org/10.18184/2079-4665.2022.13.1.42-59. EDN: https://elibrary.ru/YBNHWZ.
