Risks And Challenges Of Commercial Banks’ Financial Stability
Keywords:
Commercial banks, financial stability, credit risk, liquidity risk, risk management, capital baseAbstract
The article analyzes the internal and external risks affecting the financial stability of commercial banks. Among internal risks, credit, liquidity, currency, and interest rate risks play a primary role, while external risks consist of inflation and global financial uncertainties. The study demonstrated the impact of risk management, credit portfolio diversification, and operational efficiency on bank stability. The article emphasizes the importance of integrated risk management and offers recommendations for both academic research and practice.
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