Aspects of competition of Russian commercial banks in the concept of focus elements

The article analyzes the competition of Russian commercial banks in the FOCUS system concept on the basis of official statistics of the Central Bank of the Russian Federation. Its main positions are considered, such as financial and information transparency, mastery of information technologies, capital, the success of the struggle for the client, the degree of risk. The dual role of competition in improving banking products is determined: on the one hand, as a_ factor influencing the development of a banking product, on the other hand, as a functioning interaction environment. The analysis of competition in the deposit and credit markets, the concentration of assets in the Russian Federation is disclosed\ from the perspective of the FOCUS concept, which allows us to conclude about the predominance of highly concentrated competition in the banking market.