Проблемы повышения доходности российских коммерческих банков

Abstract

The article deals with the ways of obtaining income by banks. In modern conditions, taking into account the lessons and consequences of the global financial crisis, the regulator sets increasingly high requirements for the management and capital management system in credit institutions in the financial and banking services markets. In this regard, the number of banks that seek to improve the risk management system in order to bring it in line with the best foreign practices is constantly increasing. However, only a few Russian credit institutions have the necessary sources for calculating economic capital and its adequacy ratios. And only a few (mostly subsidiaries of large foreign banks) are able to make payments in accordance with international best practices. The ability to calculate economic capital, that is, the largest possible loss for a given time horizon, calculated with a set confidence interval, characterizes the high level of quality of the risk management system. The problems of increasing the profitability of commercial banks in the Russian Federation are also disclosed.