Finance

Opinions

Corporate Governance of Russian Banks: Particular Features and Prospects for Improvements

April 10, 2020 | Carsten Sprenger, Srdjan Todorovic

Adherence to high standards of corporate governance in the banking sector can reinforce the resilience of the banking system. However, existing corporate governance practices do not help curb the risks banks take.

Opinions

Crowdfunding: from Hopes to Challenges and Back Again?

February 17, 2020 | Mikhail Mamuta

Crowdfunding platforms have proven a promising alternative to banks. However, so far, they still seem more of an experiment whose success depends on their ability to manage existing confidence risks.

Economics

Bad Debts: Scenarios for Banks and Companies

December 4, 2019 | Mikhail Sukhov

Bad debts can be both a consequence of the borrower’s reduced financial circumstances and an instrument of unfair banking. Each of these problems has its regulatory solution but the key principle should be market responsibility of the owners and managers.

Economics

Bad Debts and Economic Growth

November 12, 2019 | Ksenia Yudaeva

A sound banking system, a moderate bad debt level, prompt recognition of the problem which bad debts pose and dealing with them effectively, are essential preconditions of not only financial stability and depositor protection but also of economic growth.

Benchmark Interest Rate Reform in Russia

October 10, 2019 | Sergey Moiseev

Due to the small size and volatility of the Russian money market, Russian entities choose two extremes as benchmarks for their interest rates – the key interest rate and the MosPrime rate, at which banks themselves do not lend to one another.

Research: Business Models in Russian Banking

August 30, 2019 | Dmitry Miroshnichenko

Five years ago, half of all Russian banks provided a full range of banking services to companies and households; now only one in three do. Banks are opting to specialize more narrowly or to move away from clear business models altogether.

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