Content №1 от 2008
Banking services in Russian regions
Analysis of an expanding banking system in Russian regions shows a fragmentary character of present banking market; only 15% of Russian regions have a relatively advanced banking system. In most regions, the fact that a corporate sector is financed by a private one has been observed. In some regions, there are structural disparities between credit and deposit operations. Our regressional relationship analysis shows that availability of banks in a region correlates with deposit operations, and shows no correlation with credit ones. This means that not all banks conduct credit retailing contrary to deposit operations. In all regions except some, the problem outstanding debts of corporate and retail sectors could be regarded tolerable. The individuals’ outstanding debts do depend on portfolio size; as for legal entities, such correlation has not been revealed.
