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The Risks of a Commercial Bank and Risk Management

Student: Danil Kornev

Supervisor: Vladimir B. Malyaev

Faculty: Faculty of Economics

Educational Programme: Economics (Bachelor)

Year of Graduation: 2017

Today’s major problem of all the banks is how best to utilize their funds to earn maximum income with the reduction in risks so as to compete and survive in the emerging global competitive environment. The commercial banks mobilize a major part of their funds through deposits and borrowings, with deposits having a dominating share. These funds are disbursed in investments and advances to get returns in the form of interest and dividends. But the commercial banks policy results in increase in risks. Besides, dynamic processes in economy force banks to change policy for further development of transactions in security market, to plan more carefully this activity. The present research mainly focuses on the analysis commercial bank’s risk-management policy. Its purpose is to develop and justify the scientific and methodical principles of risk-management of a commercial bank by optimization of its risk-management model and strategy.

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