Abstract
The article reflects the results of a study of the Russian banking sector on the subject of prevention and protection of credit institutions from risks, a separate place is given to risk management and risk assessment of a regional commercial bank. The main characteristics of the activities of a commercial bank are presented, a study of its risk management system is carried out and the main directions of its improvement are high-lighted. The positive experience of introducing ESG factors into the business model is considered to increase the efficiency of risks and obtain strategic advantages. ESG banking is an effective business model for re-gional banks that expands the number of considered banking risks and the vector of their management.
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