TY JOUR TI APPROACHES TO TRANSFORMING THE RISK MANAGEMENT SYSTEM AT VTB PJSC, TAKING INTO ACCOUNT KEY THREATS KW banking risks KW risk monitoring KW risk profile JO Modern Technologies and Scientific and Technological Progress AU Zarubina, Y.V. AU , .. PY 2026 IS 2026 PB Federal State Funded Educational Establishment of Higher Education «Angarsk State Technical University»