Subject. The article considers the economic relationship between the banking sector and the population. Objectives. We focus on theoretical and empirical analysis of the activities of PAO Sberbank, identifying threats and measures to minimize any damage to the banking organization. Methods. The study rests on the analysis of data provided by PAO Sberbank on its official website. Our calculation of indicators bases on these data. The main methods employed are expert assessments, the method of threshold values of the main threats to economic security. Results. We performed a horizontal and vertical analysis of the financial statements of PAO Sberbank, considered the structure of income and expenses and the bank's loan portfolio by sector of economy. Using the threshold value method, we unveiled the threats inherent in PAO Sberbank and developed a strategy to minimize the identified threats. The findings may be useful for analyzing the bank’s activities and identifying the threats to the banking sector in a socially oriented market economy. Conclusions. The study reveales that this bank is inherent in such threats as low short-term liquidity and loan impairment risk. We offer a strategy that affects the policy of PAO Sberbank. It includes long-term measures to increase the share of mortgage loans, which, as a result, will enable the development of the construction sector and have a positive effect on society as a whole.
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