Study of the bank's risk management and regulation system

The activities of commercial banks are associated with the uncertainty factor, and are accompanied by various types of risk, and since the bank performs socially significant functions of a financial intermediary, maintains a payment system, and at the same time risks not only its resources, but mainly borrowed funds, the implementation of bank risks is the most painful and dangerous for the economy. In this regard, there is a need for risk management. Commercial banks independently form a risk management system in accordance with the goals and objectives of the bank, observing the general concept of development of the banking sector. The article considers the effectiveness of the risk management system of Sberbank of Russia PJSC on the example of credit risk management, since this risk refers to the significant risks of a commercial bank and is its main focus. According to the results of the study, it was concluded that the risk management system of Sberbank PJSC ensures the growth and improvement of the quality of the bank’s loan portfolio, and, consequently, its competitive advantages in the banking services market. To maintain these advantages, the bank needs to constantly monitor and improve the risk management system, taking into account the changing environment of its functioning.