Analysis of the Structure and Dynamics of the Loan Portfolio in Russian Banks

DOI: 10.33917/es-2.200.2025.48-53

The article presents distribution of the largest Russian banks by the size of the loan portfolio, which made it possible to substantiate the fact that in the Russian credit system there is a high level of differentiation in interest rates and conditions for attracting loans, which has an ambiguous effect on the quality of the credit process. The author identifies a modern problem of interaction between banking market entities and clients – the presence of high debt on loans, which will allow in the future to develop and apply, within the framework of banks’ credit policy, the most rational repayment scheme.

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