00543naa#a2200169#i#450# EN\\bibl\101173 20250813064922.3 2782-4586 20250717b2025####ek#y0engy0150####ca RU Commercial banks management: transformation of culture and organizational structure Journal article Moscow ITBO University 2025 5 с. Journal article local Банковское дело. Банки. 336.71 Kudryashov Nikita Sergeevich jomeam.ru