2’2012 2007 2010 , . 10.17. .: , - 2, 3, 13,8% 18,6% . ., 3,5% ( 2007 .) 18,4% 14,6% ). - – , , 1 2010 . 1. , - . , , , , , . , , 1,5% 1 ( 1 1,8%, 2010 . – 11,7%. , , 45,1% 2010 . 1 2007 . 47,6% 1 , . . : , . , , - , : 2,4% 2,5% 3,8% 9,5% 9,2% : ; . : : 1 1 1 1 1 2007 .: 2008 .; 2009 .; 2010 .; 2010 .; ; - ; : ; 4,1% 3,6% 4,5% 9,1% 9,3% . : ; ; . 1 1 1 1 1 2007 .; 2008 .; 2009 .; 2010 .; 2010 . , . , . 1. – 87,98% – , 3,9% – , . 1, 7,8% – . , . . - 1 , , 1 ( 2010 . [4] . , , ( ) ( 8807) ( 8957) - - , . . 1 2010 . , . ) , « 2004 . 20 046,1 » 110- ( , 990,3 .), 254 « 48 » , « 1 739,7 ( » 2006 . 83,8 ) 283 . 173 « » 1 010 2 028,9 , . - , 0 ), 20 - 13 2008 ., « » 14 2007 . 313 ( . 2). - . ( 16 - . 2, - . . » - 7 2001 . . . 115- , . 2 , : [3] , % 1 1 1 1 , 1 2007 . 2008 . 2009 . 2010 . 2010 . 14,9 15,5 16,8 20,9 18,4 , - , ; ( ) , , - , , 2,4 2,5 3,8 9,5 9,2 , - , ( ,% 4,1 - 4,5 9,1 ) 51,4 48,4 74,9 69,2 ); , ), 65,2 ( - 76,8 72,9 92,1 102,4 95,4 45,1 38,7 23,2 49,6 47,6 19,3 20,4 5,3 3,3 26,3 24,3 10,8 3,6 3 22,7 16,4 3,4 3,4 1,8 13,3 37,5 8,7 3,5 0,7 4,9 35 8,9 3,8 1,8 11,7 , [5]. . , , , , - « « - . , , - ). - , ; ( 9,3 ( ( 2) ( 3) ( ) 3,6 . ». , - » . , . ? : , - . : , ; , , , , . ; : ; , ; - – ? ; ( ; - , - , , , ) - ; . - . , ( , , , , , ) , - , « , ( , - . . 1). , , , . , - , . 1 2’2012 , , ); ) ( , / - , ); ( , - , ); ( , , - ); ( , ) - , , ); . [1]. . : ; ; ; ; . : ; , IT- . 1. ; ( , , ). , , : . - . , : ( , - ; / . ; ; / ; , - ; ); , ( ); ; : . , ( - - ) , ( ; ; - ) . ( ), - ( ) ( ) , ( ; : : ; ; ) ; ), [1]. , , ; : 1 2010 2009 . 34670%, 100%, 2012 . [2]. , ; 2011 .; 1 ; ; ; - 1 , - , , ); : : , , 2 ; 40% 3 - , - ; . , , / - / ; /« ; , ). - .; , ; ; » .). : - : , : , , , ; , ; ; ; . ( ) : ( , , ); ; ; / - , , , , American Express), ); ( ; ( , ; , - , - , , . , : , ; ; ; ( ; . / - : - ; , and workplace SafTEy) ( ). (employment practices ; ; ; . : ; , .); - , - , (clients, , products & business practices); ( / (« ; ; ; ; - »); , ; ; ; ; - , ; . ; : .); ( : ( ); - ( ) ; / , ; ; ; - ( ; ); ; ; ; ; - - , ; ; : - / ; , ; - ; ; ; / - ); ( ; ; / ; ( ( ); ) / ); ; . ( ); 3 2’2012 (damage to physical AssTEs) – ( , , ( , , .). ); - ( (business disruption and system failure): , , , ; , IT- ( , , - , - ; - , ); ); ( (business disruption); , ; , . : - , ; , - . ); ( . , (execution, delivery & process management): - , ). , - , ; : ( , , ); ; , ( , ; ; , : - , - ; ; ; ; ; .); , ( ; , ; , , ; , , ; ); ( ; – » PR, ; , , ( .); , , - , ( .); - : , : ; - , - , ; ). / ; , - , , / , - , - . 2. . [5] , - , . 2. : ; - , . ; ; , , ; - , , . . [1]. ( - ) . : / . 1. ; ( , ); ; ( , , , - , , . , . .); , 4 - . , - , , , - , , , . ). 2. ( . - - , ). . . - . , , , . . , . ( , - , , . - . - ). - , 1993 . Bankers Trust - NetRisk, - Deutsche Bank. MORE PricewaterhouseCoopers. . . . - , Operational Riskdata exchange Association (ORX, http://www.orx.org). , , , : , . , « », , , ( , , - / , . , , . ) , - , - ( , , , - . , . , : - , , . - , , , , . , . , - , , , j ( , .), - . , . (net risk), . . , , - , ) , - - , ( - ). , 5 2’2012 ( - - ), / , - . - : , . - . , , , ; , , . - . : ( - . - - . , . ). , ( ( ) . -, . - , .: , ) , ( - . ) - , . : ( : ) , . ; , - - . ; , , ; , , , [5]. ; 3. , / ( ) . ( - - ) , : - (gross risk); - , , (net risk). - , ( ) . - (gross risk net risk), : ; ( - , . . (Sound practices for the management and supervision of operational risk / Bank for international settlements / Basle committee on banking supervision / Basel, February 2003) [9]. , . ); ; 1. ; . . - . . . . 6 - , . 2. : . , , , - . ; . - 3. ; - . ( ) - , ; , , . . : , , : , - 4. ; , , , - . ; , , , , . , 5. , . , , .; . , - , , . 7. , , , - . . - , . , 8. , ; , - , . 9. , , , . , , ; - , . , : , 10. , , ( , , , , . ) , , , . : , , . , , [8]. : , ; , - , , . - , - , , , ; . - ; : ; ( - , ) ; , . . ; - - , , - , ; 7 2’2012 ; , - . - : , ( ), ( . - , , . , , « , - ). , . . . - . - , » , - , , , . . , - . , - , , , - , . , , - , , , - . , - . , , . : 1. ; [ ( , , , ( , ) - ; , , - 4. , , , ); , 5. ; 6. - ; ( , , , - 7. 8. ) [1]. . , , , - [ . 2009 . ( 9. ]: 346- . ». .- : . 36 [ ] // . – 2011. – 99. URL: http://www.cbr.ru/analytics/bank_system/obs_1101.pdf / : . 41 [ ] // . – 2011. – 99. URL: http://www.cbr.ru/analytics/bank_system/obs_1101.pdf / . . , , [ ] : . / . .– .: , 2008. . [ ]: ./ . .– .: , 2009. . : [ ] : . / . . – . : , 2009. . . . [ ]/ ., ., . .: , 2006. .« ». Sound practices for the management and supervision of operational risk / Basle committee on banking supervision. Basel, February 2003. http://www.bis.org/publ/bcbs183.pdf. ; 8 3 - . 2005 . 2. 3. ); 24 « .- - ]: 76- . ». ; ; ; ; - . ; ; ; ; . . , , , . - , , , , , , « 2». , - , , . - . - , , . . « » , » « ». ( - , ), – ). - 5. About a procedure of calculating of the size of operational risk [Text]: The letter from November, 11th, 2009 346, item 6. Access from legal-reference system «ConsultantPlus». 6. M.A. Bukhtin. Risk management in credit organization. Methodology, practice, regulation: methodological relief. [Text]: Book 1 / Bukhtin M.A. – M.: Reglament, 2008. p. 50-65. 7. M.A. Bukhtin. Risk management in credit organization. Methodology, practice, regulation: methodological relief. [Text]: Book 1 / Bukhtin M.A. – M.: Reglament, 2008. p. 412-417. 8. G.G. Korobkova. Banking: textbook [Text]: G.G. Korobkova – M: Magistr, 2009, p. 514-545. 9. R.G. Olkhova. Banking: Managing of present bank: manual [Text] R.G. Olkova – M.: KNORUS, 2009, p. 217-241. 10. B.A. Reizberg, L.S. Lozovskiy, E.B. Starodubceva. Modern economical glossary [Text]: Rizberg B.A., Lozovskiy L.S., Starodubceva E.B. – M.: INFARM, 2006. Access from legalreference system «ConsultantPlus». 11. Official cite of The Bank of Russia, «Russian Federation bank sector review» 99 January 2011 Analytical indicators (the Internet version), Table 41 [the Electronic resource]: www.cbr.ru http://www.cbr.ru/analytics/bank_system/obs_1101.pdf/ 12. Official cite of The Bank of Russia, «Russian Federation bank sector review» 99 January 2011 Analytical indicators (the Internet version), Table 36 [the Electronic resource]: ]: www.cbr.ru http://www.cbr.ru/analytics/bank_system/obs_1101.pdf/ 13. Official cite of The Basel committee on banking supervision, «Sound Practices for the Management and Supervision of Operational Risk»/ Basle Committee on Banking Supervision/ Basel, February 2003 [The Electronic resource]: www.bis.org http://www.bis.org/publ/bcbs183.pdf/ Keywords . , , ., , ., ., , . . - 10.17. OPERATIONAL RISK MANAGEMENT IN COMMERCIAL BANK Nonfinancial risks; operational risk; types of operational events; origins of operational risk; types of operational risk losses; principles of operational risk managing; methods of determination of operational risk; expert evaluation method; operational risk optimisation phases; minimization of operational risk. S.Y. Polozkova, Graduate Student All-Russia State Tax Academy Activity of any credit organization is closely connected with risks, basic of which are financial, nonfinancial and market risks. The main attention is always paid to financial risks, but losses connected with nonfinancial, particularly operational risks, can also affect financial stability of bank. The main aspects of operational risk managing are defining of: risk origins, operational events types, losses types, methods of revealing of risk, ways of its optimization and minimization. Literature 1. About configuration of operational risk managing in credit organizations. [Text]: The letter from May, 24th, 2005 76, item 1.1. Access from legal-reference system «ConsultantPlus». 2. About configuration of operational risk managing in credit organizations. [Text]: The letter from May, 24th, 2005 76, item 1.3. Access from legal-reference system «ConsultantPlus». 3. About configuration of operational risk managing in credit organizations. [Text]: The letter from May, 24th, 2005 76, item 1.4. Access from legal-reference system «ConsultantPlus». 4. About configuration of operational risk managing in credit organizations. [Text]: The letter from May, 24th, 2005 76, item 3.21. Access from legal-reference system «ConsultantPlus». 9