OPERATIONAL RISK MANAGEMENT IN COMMERCIAL BANKS
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This article examines the nature, sources, and management mechanisms of operational risks in commercial banks. Operational risk, arising from internal processes, human factors, systems failures, and external events, has become one of the most critical risks in modern banking. The study highlights international standards, including Basel Committee recommendations, and provides practical approaches for effective risk mitigation. The results emphasize the importance of integrated risk management systems, digital technologies, and internal control mechanisms in minimizing operational losses.
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