Page 14 - Azerbaijan State University of Economics

THE JOURNAL OF ECONOMIC SCIENCES: THEORY AND PRACTICE, V.81, # 2, 2024, pp. 4-29

Table 01: Operational Risk Factor Network
Type of event
Accident
Work Business System
Process and
Dividing Losses by Internal External efficiency and malpractice Damage malpractice failure
Activities and - Customer and
Fraud Fraud proper workplace to and business
implementation Physical
hazards Product disruption
Asset
Repeat of
risk
commercial assessment
and sales
Total
Losses
Repeat of
risk
Brokering assessment
Total
Losses
Repeat of
risk
Retail assessment
Banking
Total
Losses
Repeat of
risk 27
Payment and assessment
Adjustments 485
Total
Losses thousand
DZD
Repeat of
risk
Business assessment
Total
Losses
Repeat of
risk 4
Corporate assessment
Finance 1.8245
Total
Losses Billion
DZD
Repeat of
risk
Asset
Management assessment
Total
Losses
Repeat of
risk
Agency
Services assessment
Total
Losses
Source: Prepared by the two researchers based on the bank's data.

Based on the above, we conclude that there are two main risk factors: computer failure
and embezzlement.

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