REGIONAL BANKS: CURRENT SITUATION AND THE PROSPECTS FOR STRENGTHENING THEIR POSITION
S u b j e c t. The problem of competition between banks with a basic license operating in the regions of the Russian Federation with banks with a universal license including systemically important ones and the possibility of its improvement through the procedure for monitoring risks and assessing the financial and economic condition T o p i c . Regional banks: current situation and the prospects for strengthening their position. G o a l s . Identification of the current position of regional banks in the financial and credit market of the Russian Federation and development of recommendations for improving the monitoring of their risks and the procedure for assessing their financial and economic condition. M e t h o d o l o g y. In the process of studying the problem were used such general scientific methods as systemic and comparative analysis, abstraction, logical - epistemological and dialectical methods. R e s u l t s . Proposed the directions of improving the procedure of assessing risks and the financial and economic situation of banks with the basic license, which will strengthen their financial and economic position by increasing confidence by the population and business of the regions and mitigating regulatory requirements/ S c o p e o f a p p l i c a t i o n . The research results can be used in assessing the financial and economic situation and risk management of banks operating in the regions of the Russian Federation. C o n c l u s i o n s . Banks operating in the regions of the Russian Federation are represented very insignificantly, significantly inferior in their activities to systemically important credit institutions, banks with state participation and the largest federal banks that are not included in these categories. In order to maintain competition in the banking market, in our opinion, it is advisable to develop and adapt methods for assessing the financial and economic condition of regional banks by - improving the criteria base for assessing the position of a bank, taking into account the peculiarities of the regional banking market; - conducting and publishing a comparative analysis of banks in the region in order to strengthen the confidence by the population and business of the region; - development of stress test scenarios and appropriate testing based on the current economic condition and reliable forecasts for the development of the region in which the bank is represented.