The growing investment activity of banking sector organisations is an important condition for securing diversification of assets and obtaining additional sources of income, as well as maintaining the required level of liquidity. Economic crises and instability of stock markets affect the investment policy of a bank, the quality of its investment portfolio, and the scope of investment transactions with securities. The purpose of the research is to carry out a comprehensive analysis of the investment mechanism of the Russian banking sector and its organisation, to characterise the investment policy and risks connected with investment activities, to determine the criteria for financial instruments included in the structure of investment portfolios of Russian credit institutions. The authors used the analytical, regulatory, comparative, and statistical methods of research to define the dynamics, composition, and structure of investment portfolios and risks involved in the business of financial and credit institutions, in the course of the formation of investment policy. It was concluded, as a result of the research, that enhanced performance, stability, and liquidity of credit institutions were conditioned by the structure and quality of portfolio investments. Improving the efficiency of the banking investment mechanism is a priority area of development, for strengthening the competitive positions of credit institutions in the national banking system. The article presents conclusions regarding the quality of investment operations and transactions with securities effectuated by banks at the present stage. The authors undertook a comparative analysis of indicators characterising the structure of investment assets of the banking sector, grouped by types of investment portfolio. Proceeding from the above, particular directions were developed for practical use, that allow for efficient selection of stock market instruments for inclusion in the investment portfolio of credit institutions in the conditions of high volatility and uncertainty of the financial market.

Вопросы обеспечения экономического роста страны, увеличения объемов инвестиций и активизации инвестиционного процесса приобретают особую актуальность на современном этапе. Коммерческие банки являются неотъемлемыми участниками инвестиционного процесса и играют важную роль на инвестиционном рынке, выступая посредниками в аккумулировании и перераспределении временно свободных средств и размещении их в инвестиции. Несмотря, на финансовый потенциал банковского сектора, современный фондовый рынок не позволяет кредитным организациям в достаточной мере реализовывать его. На инвестиционную деятельность банков оказывает существенное влияние риски и низкая ликвидность большого числа корпоративных ценных бумаг. В статье дается оценка состава, структуры и общих объемов инвестиционных операций банковского сектора и стратегии кредитных организаций в сфере портфельных инвестиций, подробно рассматриваются инвестиционные риски, отражается связь рыночного риска с другими видами банковских рисков. Особое внимание уделено анализу динамики основных показателей характеризующих инвестиционную банковскую деятельность. The issues of ensuring the countrys economic growth increasing the volume of investments and activating the investment process are of particular relevance at the present stage. Commercial banks are integral participants in the investment process and play an important role in the investment market, acting as intermediaries in the accumulation and redistribution of temporarily available funds and placing them in investments. Despite the financial potential of the banking sector? the modern stock market does not allow credit institutions to sufficiently implement it. Banks investment activities are significantly affected by the risks and low liquidity of a large number of corporate securities in various sectors of the economy that objects of investment. The article provides an assessment of the composition. Structure and General scope of investment of the banking sector and the strategy of credit institutions in the field of portfolio investments, discusses investment r risks in detail, and reflects the relationship of market risk with other types of banking risks/ Special attention is paid to the analysis of the dynamics of the main indicators that characterize investment banking activities.

The article is focused on the increasing role of modern information technologies in banking sector. Today, the informatization process includes not only developing a safe and modern infrastructure, networks, data processing centers, but also creating the so-called digital economy on the basis of this infrastructure, which will bring new sources of income to the state and the people. The banking sector of the Russian Federation is most actively involved in the process of solving this problem. The development of automated business processes in VTB Bank (PJSC) is considered in detail. There is presented an overview of the bank's information technologies in such key areas as artificial intelligence, big data analysis, machine learning, virtual and augmented reality, optical recognition, robotics, robotization of process, blockchain, and chat bots. The dynamics of the main indicators of a financial institution activity is analyzed, an assessment of indicators characterizing the dynamics of changes in capital, net profit and profitability of the bank is presented. It has been stated that the strategic directions for the development of business processes in VTB Bank (PJSC) are constructing an advanced operational and technological platform, increasing the level of digitalization of the banking business, leadership in the financial services market in a number of ecosystems, developing a highly productive organization and culture, as well as growing the customer-centricity of business models. The block diagram of the VTB Bank transformation for 2020–2022 and the target version of the IT architecture of the bank have been illustrated. Changes in the IT architecture are one of the stages of the bank's digital transformation strategy. According to the objectives of the strategy of VTB Bank (PJSC), 100% of financial services should become available to customers online.

The article describes the key factors in the development of the state economic system. One of the key factors is the stability of the banking system. Currently, the banking sector in Russia is characterized by increasing instability and a decrease in the reduction of opportunities to replenish the resource base. It is noted that the sources of developing the resource base of credit or-ganizations include own and attracted resources. Own resources include retained earnings, trust funds, formation of a statutory fund, additional contributions of shareholders to the statutory fund, mergers and acquisitions, etc. Borrowed funds comprise interbank loans, issuance of debt securities, term deposits, etc. The main part of the resource base of banking sector belongs to the large credit organizations. The structure and mechanism of creating own and attracted resources by organizations of the banking sector are examined in detail. A review and analysis of existing methods of raising funds by credit organizations is presented. The main trends in changing the resource base have been studied; the assessment of the indicators characterizing the volume and dynamics of bank liabilities at the present stage has been presented. It has been found that the mechanism of forming the resource base of the banking sector has the certain difficulties. A key problem in or-ganizing fundraising mechanisms is the imbalance in long-term assets and liabilities. Today, credit organizations form a significant part of their resources from short-term sources. There has been in-ferred the existence of a priority task for the credit organizations in order to increase competition and liquidity: credit organizations have to choose a method to form a resource base that, at minimal cost, will ensure the payment of dividends, replenish reserves and funds, and provide necessary conditions for the effective development of the organization activities.

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