graduate student
This article analyzes risk factors and strategies for strengthening the economic security of regional commercial banks in Russia amid the geopolitical instability of the past few years. The author examines the relationship between external threats (sanctions, inflation, currency volatility, cyberattacks) and internal risks (operational failures, insufficient capitalization) with adaptive strategies such as asset diversification, hedging, cybersecurity, and regulatory compliance. Particular attention is paid to the differences between regional commercial banks and federal banks: their smaller scale, regional dependence, and resource constraints requiring flexible approaches. Performance is assessed using criteria (financial stability, operational efficiency, regional adaptation) and indicators (CAR, LCR, NPL, ROA) adapted to the geopolitical context. The article emphasizes the need for an integrated approach to proactively strengthen the resilience of regional commercial banks, with empirical data and recommendations for adaptation in crisis-affected regions.
regional commercial banks, geopolitical instability, economic security, risk factors, strengthening strategies, evaluation indicators
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