THE SITUATION IN THE RUSSIAN BANKING SECTOR IN THE CONTEXT OF GROWING UNCERTAINTY IN THE FINANCIAL MARKET

The purpose of this study is an in-depth analysis of the conditions and trends in Russian banking in the context of increasing uncertainty in the financial market and the transition to new digital technologies. The need for further transformation of banking products, building new relationships between the Bank and customers, and stimulating the growth of capitalization of the banking sector of the economy was noted. The proposals to increase the investment activity of various Russian banks, which can become a catalyst for the growth of the real sector of the economy, are substantiated. Building new relationships with clients leads to the need for further reorganization of banking and the transition to new working methods, accompanied by new contradictions in the bank's relationship with the client, new challenges to traditional relationships and traditional business models. In addition, the bank's transition to new forms of customer relationships should be smooth and differentiated without drastic changes. An analysis of the situation on the banking market shows that in modern conditions it has become necessary to develop a unified strategy that ensures effective coordination of the efforts of various departments, legislative bodies and other participants in the banking market, determining the optimal distribution of responsibilities and responsibilities between different structures, centers and regions, between different banks.