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The national banking system is the driver for the national economy that unites various types of credit organizations that operate within a single monetary mechanism. The banking system is a part of the economic “organism”, whose condition determines the stable development of society. The problems that currently exist in the banking sector reflect instability of the entire economic situation in the country. The reasons are a reduction in budget support for organizations and the inability of some of them to adapt to changing external conditions. In crisis conditions, it is of particular interest to assess the financial sustainability of the activity of the largest systemically important banks in the country, which are the “circulatory system” of the national economy. This article assesses the financial stability of PJSC “Sberbank of Russia” based on an analysis of the main groups of its performance indicators for 2007-2019: capital adequacy, asset quality, management efficiency, profitability and liquidity. According to the research results, it is revealed that during the period under review, the activity of Sberbank is stable with respect to such indicators as capital adequacy, profitability, management efficiency and liquidity. Bank activity is unstable relative to asset quality indicators. The high value of the asset quality ratio characterizes the increased degree of riskiness of operations conducted. The ratio of overdue debt is above the norm, which adversely affects the financial stability of the bank. The most important achievement of Sberbank of Russia in 2019 - the launch of a new digital platform of the bank. The use of artificial intelligence technologies has already become an important driver of Sberbank business. Due to the pandemic of COVID-19, the Russian banking sector may face a number of problems. By 2021-2022, the growth is expected only by those banks that will build an effective risk management system and will be able to adapt their business strategies to the new economic realities and tougher requirements of the regulator.

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The paper presents the study of models for social and economic development of states, based on their indicators of sector efficiency and social development, incorporated in a factor model. The object of the study is a sample of developed and developing countries. The subject of the study is the selection of quantitative parameters of social and economic development models. The paper describes the system of models for the states with different social and economic development levels and presents the main provisions for collection and processing of data. As the discussion unfolds, we select the analytical methods and use the correlation and regression analysis to identify the main factors the define social utility. The actuality of this research lies in the fact that, at present, there is a redistribution of gross added value and GDP in the world towards countries-consumers. The backwardness of this social and economic structure is due to the situation in the international division of labor. The dualism of a social and economic system in these states is related to the priority that is given to market mechanisms over social policy in the context of globalization. We suggest that it is the social utility that should ensure the multi-sided development of human potential, which in turn contributes to the economic growth. A special attention in building the models is given to estimation of the parameters for the countries that showed maximum divergence (residuals) of indicators, characterizing the social stratification and the development of human potential Keywords: effectiveness of social institutions, factors of human capital (potential) development, the dualism of the world economic system, structure of gross value added, correlation and regression analysis, social usefulness of the state, factors determining the effectiveness of state institutions, quantitative analysis of the factors that shape the effectiveness of state institutions, factors of efficiency of world labor productivity, factors of public utility of the world economic system