The Development of Macroprudential Regulation of Bank Household Lending in Russia

Мирошниченко, О. С.; Воронова, Наталья Степановна; Gamukin, V. V.

doi:10.26794/2587-5671-2020-24-4-75-87

Cited by 3 publications

(2 citation statements)

References 21 publications

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“…A possible limitation on the use of the results may be an additional factor not only of a macroeconomic but also a global scale, such as a pandemic [69]. During a pandemic, national governments of different countries implement unprecedented measures to support the economy and society, the population receives additional payments to compensate for the loss of part of their income, bank regulators use the credit holiday regime [70]. The results obtained can be assessed for sustainability after the end of the pandemic.…”

Section: Discussionmentioning

confidence: 99%

Banking Sector Profitability: Does Household Income Matter?

2022

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Household incomes, their level and dynamics are one of the factors that ensure the achievement of the Sustainable Development Goals. At the same time, stable development of the banking sector, which is impossible without steady earnings, determines economic growth, which also positively affects reaching the Sustainable Development Goals. The paper examines the impact of household income on the return on assets of the banking sector in Russia using annual time series from 2003 to 2019. The study was conducted using formalized economic and mathematical methods of analysis by linear regression with least squares tests on the significance of the model, with tests for redundancy of insignificant variables (Wald test), Ramsey test on the functionality of the model, White and Breusch Pagan test for heteroscedasticity (heterogeneity of observations) and multicollinearity by method of inflation factors, graphic method. The Multiple Linear Regression (MLR) model was used. The results show that (1) an increase in the growth rate of household income and deposits in the non-financial sector has a positive effect on the return on assets of the banking sector; (2) an increase in the growth rate of the price of Brent crude oil and non-performing loans negatively affect the dependent variable; and (3) the regions that have the greatest (positive and negative) impact on profitability of whole bank sector in Russia were identified. Increasing household incomes and eliminating inequality in the incomes of the population of different regions will have a positive impact not only on social well-being but will also provide the banking sector with the opportunity for profitable operation and create conditions for sustainable growth. Our conclusions are useful for the regulator and individual banks and can be taken into account when developing and implementing policies aimed at sustainable development.

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Section: Discussionmentioning

confidence: 99%

Banking Sector Profitability: Does Household Income Matter?

2022

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“…In particular, interest rates on credits depend on the value of the key rate set by the Bank of Russia. (Miroshnichenko et al, 2020). Under different conditions set by contemporary reality, bank managers use different pricing methods (Bolshakov et al, 2021).…”

Section: Introductionmentioning

confidence: 99%

The Core And Peculiar Features Of Price Management In The Banking Sector

Kim¹

2022

The European Proceedings of Social and Behavioural Sciences

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Any commercial institution seeks to maximize profits from its activities. However, profit is the final result, which is combined with various components. One of the components is price and the process of price assessment is pricing or price management. The author chose to study pricing in the banking market sector in the research. The services provided by loan companies have certain peculiarities and pricing methods as well. Despite the special activity, pricing management provides profitability and controls the level of market movement of financial resources, capitalization of these resources. The relevance of bank pricing is high, among other things because, at present, there is decreasing availability of early income observed. This is especially true for one of the main profitable banking products that are loans. Based on the studied data of theoretical foundation, the author has observed the nature of pricing, pricing methods in commercial banks of the Russian Federation, as well as the consequences of errors in pricing. In the context of applied examples, PJSC Sberbank was selected for the study. Illustrated by PJSC Sberbank, the features of pricing in the banking market, pricing methods, and review of financial and economic activities are focused. Based on the results of the work performed, the author proposed recommendations for improving pricing methods.

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