TY JOUR TI FEATURES OF DEVELOPING A FINANCIAL STRATEGY FOR A COMMERCIAL BANK KW financial strategy KW commercial bank KW competitiveness KW financial stability KW dividend policy KW credit policy KW deposit policy KW internal factors KW external factors KW asset optimization JO Science & World AU Sokolova, A.N. AU Sergeeva, D.O. PY 2025 IS 0 PB LLC "Perspektiva"