Sanace v ruském bankovním sektoru

The diploma thesis deals with the investigation of bailouts in Russian federation and their impact on the Russian banking system in the years 2014-2020. The thesis is divided into 3 parts: theoretical, empirical, and case study. The first part describes the theoretical basis of bailouts and the way it is applied. The second part describes and explains the reasons and costs associated with it, analyzes the period before and after the bank’s bailout, and evaluates its impact on the Russian banking sector. The financial analysis of the bank "FC Otkritie" and the effectiveness of the methods applied to this bank are evaluated in the last part of the diploma thesis. Besides the analysis of the banking industry, this work aims to test and validate three hypotheses. The validation of the first hypothesis shows that bailout of "FC Otkritie" was caused by the following reasons: low-risk aversion, untimely creation of provisions, acquisition of the loss-making company "RGS Group", the beginning of reorganization of "Trust" bank and others. Based on testing the second hypothesis, I concluded that despite the reported profit in 2018, the reorganization process hasn’t stopped, and it is still necessary to evaluate the quality of the loan portfolio and assess a possible increase in reserves. The third hypothesis confirmed the success of the reorganization: profitability indicators have increased; the capital adequacy requirements have been met and the profit has already been generated at the beginning of the reorganization process itself.