Template-Type: ReDIF-Article 1.0 Author-Name: Tatyana L. Zhuravleva Author-Email: GuravlevaT@ranepa.ru Author-Workplace-Name: Russian Presidential Academy of National Economy and Public Administration Author-Name: Maxim A. Leonov Author-Email: leonovmx@gmail.com Author-Workplace-Name: Russian Presidential Academy of National Economy and Public Administration Title: Russian Banking System in Recent Years: General and Regional Perspectives Abstract: This paper analyzes the development of the banking sector in Russia in recent years. It studies the access to financial services and the stability of the banking system with the special emphasis to regional development. Despite the growth of the deposit rate, the increased risks force banks to reduce lending that influences negatively their sustainability. The lack of the access to financial services together with decreasing competition level and growing concentration in the banking sector leads to the higher gap in financial development between Russian regions. Classification-JEL: Keywords: banking sector, deposit market, lending market, credit institutions, recall of a banking license Journal: Finansovyj žhurnal — Financial Journal Pages: 47-58 Issue: 6 Year: 2015 Month: December File-URL: http://www.nifi.ru/images/FILES/Journal/Archive/2015/6/statyi/fm_2015_6___05.pdf File-Format: Application/pdf Handle: RePEc:fru:finjrn:150605:p:47-58