THE PROBLEM OF MANAGING A COMMERCIAL BANK IN MODERN CONDITIONS

Abstract

In the face of tough market competition, commercial banks face a large number of risks, and ensuring the smooth operation of commercial banks has an irreplaceable impact on the development of a market economy. The main problems of managing commercial banks in modern conditions are: high costs, ineffective management, increased competition, growing expectations for digitalization and innovation, cybersecurity. The definition of a commercial bank and its brief description are given. The financial analysis of the main indicators of Cetelem Bank ООО is shown, its liquidity is considered. The organizational structure of the bank is analyzed. The Bank is headed by a General Director and has a Board of Directors. The elements of bank management are: planning, goal setting, selection of management policies, development of rules, strategies, information materials, effective organization, coordination, motivation, reporting in a certain period, auditing and maintaining internal control. Ideal management can be ensured by proper coordination in the development of the following functions: planning and decision-making, organizing, leading and controlling. Effective implementation of a credit risk management system will help reduce credit insolvency, thereby contributing to an increase in the return on credit assets. This will increase net profit margins and the stability of banks. Banks should have a sufficiently large board of directors, consisting of specialists of various profiles. Commercial banks must establish a sound governance structure and a great corporate culture. It is important to formulate a clear system of responsibilities to facilitate the smooth progress of internal control activities and raise awareness among all employees of risk prevention