TY JOUR TI Valuation of VTB company KW company valuation KW VTB Bank KW discounted cash flow method KW market multipliers KW banking sector KW value management KW VBM KW ESG factors KW shareholder value KW risk management KW investment attractiveness JO JOURNAL OF MONETARY ECONOMICS AND MANAGEMENT AU Sushko, O.P. PY 2026 IS 0 PB ITBO University