History of development of the risk-based supervision method for commercial banks

This article discusses the history and development of the risk-based supervision (ROS) method for commercial banks. The theoretical foundations of prudential supervision, the functions and tasks of the RON, as well as its application in modern conditions are analyzed. Special attention is paid to the use of machine learning to improve the effectiveness of supervision and the key features of the differences between RON and traditional prudential supervision. The work focuses on the need to adapt supervisory methods in the context of the digital economy and increasing volumes of data.