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At the beginning 70th of the ХХ century base definition by Chandler was modified by K. Andrewwho added item authentication of four constituents: market possibility of firm; general competence and resources of firm; own values and aspirations of firm; confirmed obligations to the society.

Strategy of financing as type of activity «includes determination of aims of the use of financial resources and capital, methods of financing, sentinel descriptions, levers and receptions of traffic control of financial resources and capital, determination of «strategic set» (how the structures of specific financial strategies are), and also financial planning and development of the special plans.

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Market transformations of the modern economy enable speaking about the necessity of high-quality and quantitative changes in approaches to forming not only short-term aims and plans of conduct of business (especially in the bank), but also about perfection of methods of the strategic planning, update of approaches of domestic banks to forming of financial strategy as fundamental principle.

Like methods which lean against the exceptional observance of the planned indexes and conservative approach to the financial management of bank, adequate answers are not given for the reality of the banks’ market, especially towards expectations of users and actions of competitors.

Above all things, it is necessary to define what a financial strategy as a concept is. On that score specialists-economists and leading theorists of strategic and financial management express different opinions; thus determinations mostly are mutually determined or complement the point of view of other researchers, although there are the exceptions.

Strategic corrections

Correction in accordance with macroeconomic realities is executed in the process of implementation of strategic plan due to introduction of short-term and long-term plans. It is a next step on the basis of prognosis of interest rates and plan by structure, size of assets and liabilities of prognostication of profitability, margin and profitability of bank; prognosis of interest rates is based on the global analysis of development status of economy, economic cycle and investments, monetary policy of the state and its basic instruments which are used now. For correction of financial strategy tactical medium-term plans are used (TMP). Within the framework of financial strategy estimation of current year and prognosis of indexes on a whole year is carried out, that consists of financial estimation (on the basis of financial results at the "n" first months); commercial estimation; estimations of basic measures. In a tactical cut exceptionally directives for planning are important, in the complement of which enter: general strategy of bank on the following 3 years (for a reference point the term of repayment of medium-term credits undertakes in this case); general plans on profitability and key performance indicators; strategic commercial aims (including are priorities of development of products and channels); planned indexes of services of support; all general limits which are set on development of business or expense; basic suppositions in the process of planning; macroeconomic suppositions which relate to the financial planning (GDP, inflation, rates on credit-sides, rate of income tax, rate of exchange and others like that). After approval by Rule of bank of directives for planning development of the detailed plans for businesses becomes possible. On the basis of general strategic medium-term plan and strategic measures chiefs of services, that is responsible for the segments of market and products are to make the detailed business plans. For every measure information on the purpose of every separate measure is to be given; its maintenance; term of achievement of results. After it the detailed plans of the strategic measures related to the products are developed. This work foresees association of all plans on products in composition plans on client segments, whereupon to the plan all measures on products are added, unconnected with a concrete segment (commercial plans; payments of products (profit on a product and combined payment in business); size of necessary investments).

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