IMPROVING OPERATIONAL RISK MANAGEMENT SYSTEMS IN COMMERCIAL BANKS: A PROCESS-ORIENTED APPROACH


Mukhitdinova Dilfuza Farkhodovna
Independent Researcher, Kimyo International University in Tashkent, Uzbekistan
Abstract
This study explores the improvement of operational risk management systems in commercial banks through a process-oriented approach that integrates risk identification, assessment, monitoring, and control mechanisms into core business processes in order to enhance financial stability, regulatory compliance, and organizational efficiency within increasingly complex and digitalized banking environments. By applying a mixed-methods research design that combines qualitative evaluation of internal governance structures with quantitative analysis of key risk indicators and operational loss data, the research develops a structured and adaptable framework aligned with Basel III standards and enterprise-wide risk management principles.
Keywords: Operational Risk Management, Commercial Banks, Process-Oriented Approach, Basel III, Risk Governance, Internal Controls, Financial Stability, Banking Performance
Journal Name :
International Journal of Asian Economic Light (JAEL)

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Published on : 2026-01-30

Vol : 14
Issue : 1
Month : January
Year : 2026
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