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PROFITABILITY OF COMMERCIAL BANKS OF RUSSIA: MODERN STATE AND DEVELOPMENT TRENDS

Profitability indicators are included in the group of key financial indicators of a modern commercial bank, in particular, they act as one of the key performance criteria for a commercial bank, the use of assets and liabilities. The growth of profitability of a commercial bank contributes to the improvement of its financial condition; profitability is one of the components of the competitiveness of a commercial bank; profitability is important for business owners and investors. Improving profitability is a tool to increase the investment attractiveness of the bank, contributes to the growth of the market value of the shares. Increasing profitability is one of the main tasks of a modern commercial bank. There has been carried out the comparative analysis of profitability criteria of the largest commercial Russian banks: PJSC Sberbank, PJSC VTB, PJSC Gasprombank, JSC “Rosselkhozbank”, JSC “Alfa-bank”, etc. It has been stated that in recent years the profitability of commercial banks in Russia was rather unstable, but the most banks are profitable both in capital and in assets. Banks with state share 16.1% have the lead in capital profitability. The analysis of the two major indicators of profitability (assets and capital) showed their vulnerability to a range of internal and external factors. There have been determined the reasons of decreasing assets profitability of the commercial banks: problems of external funding; access to international capital markets in terms of sanctions against Russian banks; decrease of prices on oil and other raw materials. All this results in a slowdown of the state economics, inflation growth, increase of the proportion of non-performing loans and additional expenses on levies, etc. Proposals to improve profitability have been made.