student
Russian Federation
employee
The article analyzes modern approaches to minimizing banking risks in the context of geopolitical tensions, sanctions pressure, and high macroeconomic volatility. The article examines the main types of risks relevant to Russian credit institutions, including credit, market, operational, and liquidity risks, as well as the factors that exacerbate their manifestation in the current economic environment. Based on an analysis of the Bank of Russia's practices, official statistics, and current research, the article identifies key challenges in the risk management system. It is argued that enhancing the stability of the banking sector requires a comprehensive approach that includes the development of domestic IT solutions, the implementation of predictive models based on Big Data, and the use of artificial intelligence.
banking risks, financial security, risk management, credit institutions, sanctions restrictions, stress testing, operational risks, digital transformation, capital adequacy, macroeconomic instability
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