The purpose of the work is to study and identify the specifi cs of the banking potential of JSC JSCB "Novikombank" as a reference bank for the development of the Russian industrial complex. The results of Novikombank’s interaction with line ministries and departments, companies in the real sector of the economy, including organizations of the Rostec State Corporation, are summarized and systematized. On the basis of the study, the conclusions are summarized that the new model of fi nancial development of JSC JSCB "Novikombank" makes it possible to improve the processes of harmonization of the principles of lean production and consumption in the industrial production of "Rostec" Group organizations. The calculations of the dynamics and structure of the key performance indicators of Novikombank, including: the analysis of the quality of bank assets and loan portfolio. At the same time, the results of the rating assessment of the creditworthiness of JSC JSCB "Novikombank" according to accredited rating agencies presented in the article are of great importance. Conclusions and scope of the results: Formulated the definition of Novikombank’s banking potential as "a set of economic, fi nancial and managerial advantages of banking activities focused on credit diversification and balanced fi nancial intermediation in the provision of state support measures to the subjects of Russian industry". The article draws a number of conclusions about the further improvement of the banking potential of Novikombank, which has incentives for fi nancial growth through the use of internal reserves to optimize the loan portfolio. Eff ective redistribution of cash fl ows allows the bank under study to diversify the instruments of fi nancial support for manufacturing companies that contribute to the increase in gross value added when creating civilian products and products of the Russian military-industrial complex.