Principles of building a new ecosystem: social, economic and legal aspects
- Author:
- Olga V. Krutova
- Work direction:
- Глава 4
- Abstract:
- The chapter examines the impact of risks on the performance efficiency of banking institutions. The nature of banking activities is inherently linked to risk-taking; however, under the conditions of sanction pressure, market volatility, and tightening regulatory requirements, conventional risk management approaches are no longer sufficient to ensure the stability of even major financial institutions. Using the case of Moscow Credit Bank, a systemically important bank, the study investigates how external shocks and internal management decisions transform its risk profile. The research is based on the analysis of the bank's consolidated financial statements for 2023–2025, including the assessment of the dynamics of key financial indicators, the structure of the loan portfolio and loan loss provisions, liquidity ratios, and market multiples. The study identifies critical risk areas and proposes a comprehensive set of measures to mitigate each of them.
- Keywords:
- liquidity ratios, banking risks, bank financial performance, Moscow Credit Bank, risk management system
Principles of building a new ecosystem: social, economic and legal aspects