PROBLEMS OF ACTIVE TRANSACTIONS BY COMMERCIAL BANKS IN THE RUSSIAN FEDERATION

Abstract

The article examines the current risks and challenges that banks face in their active operations. The external environment poses both threats and risks to the further sustainable functioning of the banking sector. Despite the existence of works on this topic, still 2022 is a unique year, which requires updating theoretical and practical knowledge in this area. The aim of the work is to systematize current problems and challenges in the implementation of the policy of commercial banks on the management of active operations. The work uses statistical methods of analysis to identify current trends and tendencies. The first stage is the systematization of data on formed trends and risks in the field of management of active operations of commercial banks. After that, the tools of visual representation of the received information are used, which further allowed to formulate conclusions about the processes and phenomena in this sphere. It is determined that the level of risks has significantly increased and the opportunities for further credit expansion are limited. This is due to both the increase in the debt load on individuals and the deterioration in the quality of the loan portfolio of legal entities formed in the past three years. A significant impact on such processes has sanctions policy of Western countries, as well as macroeconomic challenges, which were bought in March-April 2022.