TY JOUR TI Improving the system of minimizing banking risks in the context of sanctions and macroeconomic instability KW banking risks KW financial security KW risk management KW credit institutions KW sanctions restrictions KW stress testing KW operational risks KW digital transformation KW capital adequacy KW macroeconomic instability JO JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT AU Shtanov, V.V. AU Saadulaeva, T.A. PY 2025 IS 0 PB ITBO University