MODERN PROBLEMS AND PROSPECTS OF ENSURING EFFICIENCY OF REGIONAL BANKS’ ACTIVITY IN RUSSIA
Subject/ Topic Specifics of Russian social and economic development is the asymmetry in certain territories and regions development. This asymmetry is caused by initial disproportions of their potential, including the sphere of financial services. Importance of achievement of regional banks’ efficiency is caused by the need of maintenance of the national banking system’s financial stability, on the one hand, and formation of the mechanism of the real and banking sector interaction, on the other hand. The article raises the topical issues of assessment of efficiency of bank activity at the regional level, and also discusses the ways of its providing in modern conditions of development of the Russian banking system. Goals/Objectives Systematization of the problems and prospects in ensuring efficiency of regional banks activity, formation of the basis of its increase. Methodology Choosing the methodical tool for the analysis, assessment and development of actions for increasing the efficiency of the regional banks, it is necessary to be guided by an integrated approach, without being limited only to profitability of bank activity. This research was carried out by the means of general scientific methods of research, methods of comparison and scientific generalization, structural and dynamic analysis of statistical data, graphical representation of the received results. Conclusions and Relevance The result of the conducted research is the identification of the problems and prospects of ensuring efficiency of the regional banks’ activity taking into account modern specifics of the development of the Russian economy. The way of achievement of the regional banks’ efficiency needs to be coordinated with opportunities of overcoming the existing problems and development of potential prospects.