Adaptation of banking financial instruments to economic and political crises changes

This study highlights a number of key aspects, including adapting lending to the current economic environment, shifting to a digitalized service delivery format and increasing focus on the domestic capital market. Particular attention is paid to the translation of financial transactions into ruble equivalents and the use of ruble-denominated investment instruments, as well as a review of government support measures, including concessional lending and interest rate subsidies. The issues of evolution of banks’ financial instruments in the current conditions of economic and political fluctuations become especially significant for maintaining stability in the Russian financial sector. Sanctions and limited access to global markets require Russian banks to actively revise their approaches to financial management, including updating credit policies and introducing innovative ways to preserve capital liquidity and retain customers. The scientific significance of this work lies in the systematization of the areas of adaptation of banking instruments to crisis conditions, which facilitates the understanding of crisis management mechanisms and identifies the most effective strategies to ensure the sustainability of the banking system in the face of economic volatility.