Analysis of the efficiency of banks in modern conditions

The study highlights the problems of accessibility of Russian bank branches in modern conditions related to the widespread digitalization. The article examines the current state of the banking market, as well as the main trends affecting its development. The role of the Central Bank of the Russian Federation in the implementation of the main prudential and supervisory measures related to the financial accessibility of services for the population and business is noted. The author’s approach for evaluating the effectiveness of the internal structural divisions (bank branches) of commercial banks is proposed, based on the calculation net present value, which meets the current development features of the sector, taking into account the transformation of banking business methods in the context of digitalization of the economy. The study is relevant for banking companies, which are interested in ensuring the return on investment and efficiency of opening bank branches.