employee
student
Moscow, Russian Federation
The article examines the features of the formation and development of the national banking system of the Russian Federation under current economic conditions. The structure of the banking system, the mechanisms of state regulation and the main financial indicators of the banking sector are analyzed. Special attention is also paid to the impact of sanctions pressure as well as to the implementation of digital technologies. The main problems in the functioning of the banking system are identified and promising directions for its further development are determined.
banking system, banking sector, Bank of Russia, credit institutions, financial indicators, financial stability, state regulation, sanctions, digitalization, digital financial technologies
1. ACRA (Analytical Credit Rating Agency). Official website. [Electronic resource]. URL: https://www.acra-ratings.ru (accessed: 20.12.2025).
2. Zoidov, H. K., Mironov, V. R. Econometric analysis of changes in structure and competition in the banking sector of the Russian Federation. Regional Problems of Economic Transformation, 2024, No. 2 (160), pp. 214–230.
3. Statistical indicators of the banking sector of the Russian Federation. [Electronic resource]. URL: https://www.cbr.ru/statistics/bank_sector/review/(accessed: 10.12.2025).
4. Bank of Russia. Official website. [Electronic resource]. URL: https://cbr.ru/(accessed: 10.12.2025).
5. Pavlov, A. A. The impact of FinTech technologies on the development of the banking sector. Economy and Society: Modern Development Models, 2023, No. 2, pp. 109–120.
6. Perepelitsa, M. A. The digital ruble as a factor in strengthening the monetary sovereignty of the state. Bulletin of Kutafin Moscow State Law University (MSAL), 2023, No. 7, pp. 158–165.
7. Kochergin, D. A. Central bank digital currencies: the experience of implementing the digital yuan and the development of the digital ruble concept. Russian Journal of Economics and Law, 2022, No. 1. Available at: https://cyberleninka.ru/article/n/tsifrovye-valyuty-tsentralnyh-bankov-opyt-vnedreniya-tsifrovogo-yuanya-i-razvitie-kontseptsii-tsifrovogo-rublya (accessed: 20.12.2025).
8. Main directions for the development of the financial market of the Russian Federation for 2024 and for the period 2025–2026 (developed by the Bank of Russia). [Electronic resource]. URL: https://legalacts.ru/doc/osnovnye-napravlenija-razvitija-finansovogo-rynka-rossiiskoi-federatsii-na-2024 (accessed: 20.12.2025).
9. Zennyukova, E. V., Kuznetsova, O. N. Features of digital banking development. In: Trends and Prospects for the Development of the Banking System in Modern Economic Conditions: Proceedings of the IV International Scientific and Practical Conference. Bryansk, 2023, pp. 84–87.



