THE EMERGENCE OF RISKS IN CONDITIONS OF UNCERTAINTY OF ASSETS AND FINANCIAL RESULTS OF COMMERCIAL BANKS OF RUSSIA

Abstract

The article reflects the role of economic and credit risks in the process of asset formation and credit transactions by commercial banks. The decrease in bank profit directly depends on the frequency of occurrence of economic risks, which allowed the article to form an opinion about the existence of a direct connection of risk losses with: deterioration in the quality of the loan portfolio, the insolvency of borrowers, the shortage of highly liquid assets in the bank. On the example of the largest subject of the banking market - Public Joint Stock Company «SKB-Bank», a study was conducted: asset dynamics and financial results; the state of the loan portfolio; the structure of loans. The conditions of financial accessibility of banking services are also assessed, depending on the nature of the occurrence of price, organizational, information and digital risks. Recommendations have been developed to stimulate the growth of highly liquid assets in the banking business and create conditions for preventing systemic banking risks.