Risk management in commercial banks, methodological approaches and practical implementation

Abstract

This article examines the risk management practices employed by commercial banks, focusing on both the
methodological frameworks and their practical application. As financial institutions face increasingly complex and
diverse risks including credit, market, operational, and liquidity risks effective risk management becomes critical to
ensuring financial stability and regulatory compliance. This study reviews theoretical models, regulatory standards, and
contemporary tools used by banks to identify, assess, and mitigate risks. It also explores case studies of successful
risk management implementation and highlights challenges such as technological disruptions and evolving regulatory
landscapes. The findings emphasize the importance of integrated, adaptive risk management systems that align with
strategic objectives and foster resilience in volatile markets