About risk factors reduce the stability of the domestic banking system

The decline in real incomes, due to the difficult economic and geo-political situation, and the resulting increase in overdue loans are a significant risk factor for the Russian banking system. Other factors considered in the paper are: reallocation of corporate depositors in favor of state-owned banks due to the Central Bank’s activity in clearing the bank market; increase of the relative share of people`s financial resources in the liabilities of the private banks; concentration of mortgages in banks with the state share of participation. The paper argues that the state actions stimulating the concentration of resources and areas of banking activity lead to the risks concentration at several high-street banks.