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СтаттяЗовнішня публікація

IDENTIFICATION OF SIGNIFICANT RISKS OF THE BANK AS AN IMPORTANT PREREQUISITE FOR ENSURING ITS FINANCIAL STABILITY: APPLIED ASPECT

Svitlana YehorychevaORCIDОксана ВовченкоORCID

Анотація

The article examines the economic nature of the concept of "significant risk", which is proposed to be interpreted as a banking risk, which in its quantitative and qualitative parameters is characterized by a non-zero level of materiality, and its realization is guaranteed to reduce capital adequacy. The classification of the types of significant bank's risks has been improved. Regulatory, quantitative and qualitative methods of significant risks identification are considered. It is substantiated that this process should be based on the use of a differentiated approach, namely: identification of the significance of the bank's risks in terms of business lines and certain types of financial products, as well as provide a comprehensive approach to identifying significant risks and assessing their materiality. The relationship between the significant risks of the bank and its financial stability is illustrated by a logical-process scheme.

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