This article defines the concept of strategy for the financial development institution DOM.RF PJSC. It demonstrates that to ensure effective strategic management and timely adaptation to changing market conditions, the organization requires systematic monitoring and analysis of the business environment. An analysis of DOM.RF PJSC's business environment revealed three groups of actors with the strongest influence on the organization: the government (through goal-setting and dividend policy), the Bank of Russia (through regulatory relaxations and capital requirements), and large developers (through the quality of the loan portfolio). A PEST analysis revealed that the highest key rate and declining mortgage demand pose the greatest threat to the company in the current macroeconomic environment, while digital transformation and the development of non-banking services represent the main opportunities. The article proposes the use of strategic management approaches that allow for a balance between commercial efficiency and the fulfillment of the development institution's social mission.
business environment, organization, financial development institution, strategy, environmental factors, environmental analysis
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