Importance Commercial banks play an important role in financing the entities of the Russian economy. Identification and evaluation of factors influencing the nature of credit operations of banks will enable to take timely and adequate management decisions that will positively affect the participants of credit transactions. Objectives The purpose of the paper is to assess the specific features of credit operations performed by banks and to make recommendations for their improvement. Methods The study rests on the comparison method, time series, absolute and relative values techniques, etc. Results I analyzed credit operations of four banks operating in the Republic of Tatarstan. The selection criteria include the status of the bank (federal, regional, local), government participation in the bank capital, shareholders' equity, etc. The banks are different by each of the main parameters. I assume that the situation examined in the Republic of Tatarstan is likely to be similar in other regions of Russia, if the characteristics of credit operations of local, regional and systemically important commercial banks are compared. Conclusions and Relevance The research enabled to identify deficiencies and make conclusions about the efficiency of credit policies of banks, to outline areas for further scientific studies, which ultimately will positively affect the bank customers using the offered credit products.
Keywords: credit operations, loan, lending operations, commercial bank
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