Abstract
<jats:p>The article examines methodological and empirical aspects of problem bank identification in the Russian banking sector. The goal of the research is to substantiate a multifactor diagnostic system that accounts for institutional features of the Russian supervisory practice. A complete content analysis of 140 Bank of Russia press releases on the license revocation for 2018–2025, supplemented by a comparative analysis of regulatory and scholarly approaches to diagnostics, is used. The study finds that compliance violations and assets quality dominate publicly stated grounds for license revocation, while formal violations of capital and liquidity ratios play a secondary role. The author proposes a “horizontal” matrix of signals cross-validation combining the regulatory classification, the CAMELS rating system, early warning models, in-depth assets quality review, and compliance monitoring. A five-stage supervisory monitoring cycle is described, and the necessity of proportional differentiation of diagnostic procedures by license type and systemic importance of the credit institution is justified.</jats:p>