Not only the level of capitalization of banks decreased. The profitability of this sphere has declined and profitable. It was necessary to create reserves in order to cover possible losses on active operations, problem loans went at a price, which was lower than the balance sheet, income from the main activities was reduced, since business activity in the economy fell. We all remember the world crisis 2011. The profitability of banking was reduced due to external causes. But, contrary to this, this problem must be solved from the inside. It is necessary to select the most effective ways to clean the bank’s balance of problem loans. You need to «stretch» the debt write -off schedule. Search for the most profitable ways of investing money. Think how to maintain the trust of depositors. And also — intensify actions in attracting additional finances.
