Credit policy of commercial banks in the light of compliance with banking activities

The article describes the impact of regulatory measures of the Bank of Russia on the formation of the credit policy of a commercial bank. The article describes concepts of "loan portfolio" and "loan portfolio quality" and discloses the essence of mandatory standards that regulate the credit risk of banking activities. Authors analyzed the indicators of financial stability of the banking sector regulating the concentration of credit activity for the period 2012-2016. The article also examines the essence and significance of the indicator of the qualitative structure of the bank's loan placements - the amount of reserves for possible loan losses, and provides their structure for various groups of credit risk.