Risk management in commercial banks, methodological approaches and practical implementation

Zina Baymuratova; Naubaxar Jarilkapova

doi:10.5281/zenodo.15528722

Risk management in commercial banks, methodological approaches and practical implementation

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Zina Baymuratova
Naubaxar Jarilkapova

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https://doi.org/10.5281/zenodo.15528722

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risk management, commercial banks, credit risk, operational risk, regulatory compliance, financial stability, risk mitigation.

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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

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Zina Baymuratova

Karakalpak State University PhD in Economics,
Associate Professor of the Department of Finance

Naubaxar Jarilkapova

Karakalpak State University third-year student majoring
in Finance and Financial Technologies

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Risk management in commercial banks, methodological approaches and practical implementation

Risk management in commercial banks, methodological approaches and practical implementation

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##article.abstract##

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Zina Baymuratova

Naubaxar Jarilkapova

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