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@article{202257,
        author = {Dr. Aarti Diwan},
        title = {Risk Analysis: Pillar of Financial Institutions in Modern Era},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {12},
        pages = {6498-6503},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=202257},
        abstract = {Risk analysis is a critical function of financial institutions such as banks, insurance companies, and investment firms. It involves identifying, measuring, and managing uncertainties that may negatively affect financial performance and stability. Financial institutions face various risks including credit, market, operational, and liquidity risks. Effective risk analysis helps institutions to maintain solvency, comply with regulatory frameworks, and ensure long-term sustainability. This paper explores the conceptual foundations, typologies, and methodological approaches to risk analysis, while highlighting its strategic importance in maintaining long term sustainability. By examining both theoretical perspectives and practical applications, the study underscores how risk analysis functions as a cornerstone of modern financial institutions, enabling them to balance profitability with resilience in an era of uncertainty.},
        keywords = {Risk Analysis, Financial Institutions, Institutional Resilience, Long Term Sustainability, Methodologies, Regulatory Frameworks,},
        month = {May},
        }