TY JOUR TI OPTIMIZATION OF HUMAN RESOURCES AS A TOOL TO INCREASE THE STABILITY OF A CREDIT INSTITUTION KW personnel optimization KW credit institution KW personnel management KW financial stability KW personnel policy KW employee motivation KW banking sector. JO STOLYPIN ANNALS AU Shichkin, I.A. AU Proskurnikova, V.I. PY 2025 IS 6 PB Electronic science