The article analyzes modern approaches to improving the risk management system in commercial banks of Uzbekistan. It provides specific statistical data on commercial banks for the period of 2022–2025. Definitions are given for credit, market, operational, liquidity, reputational, and compliance risks encountered in banking activities and practices, along with proposed measures to prevent these risks in the Uzbekistan market. In this regard, methods for risk reduction are suggested through the implementation of artificial intelligence and machine learning technologies, as well as integrated solutions that encompass international standards, technological innovations, and the development of human capital to enhance the financial stability of banks.
This article develops the theoretical and methodological foundations for a comprehensive assessment of banking service efficiency provided to individuals. The study proposes a multidimensional evaluation framework that integrates traditional financial indicators with customer satisfaction metrics, digital service quality, operational efficiency, risk management level, and institutional sustainability indicators. Furthermore, an integrated performance assessment model is designed to evaluate retail banking services in the context of digital transformation. The research findings contribute to enhancing customer-oriented banking strategies, improving service quality, and strengthening competitiveness in the retail banking sector.
This article discusses the important role of managing operational risks in the banking sector, with a detailed analysis of this issue in the context of commercial banks in Uzbekistan. Significant changes are being observed in the countryʼs banking system, and managing operational risks is becoming an integral part of ensuring financial stability. The article delves deeply into the organizational and methodological challenges banks face in their risk management processes. The insights and recommendations presented in the article are hoped to serve as a foundation for future research and for developing strategies to manage operational risks in the local banking sector.
The article is devoted to analyzing the transformation of the banking sector in the context of the active implementation of artificial intelligence (AI) technologies. It examines the key areas of AI application in banking activities, including automation of operational processes, intelligent risk management, personalization of customer services, and the development of innovative financial products. Special attention is given to how AI changes traditional banking business models, enhances banks’ competitiveness, and creates new strategic advantages in the financial market. The challenges and risks of digital transformation including cybersecurity issues, the ethics of AI usage, and compliance with regulatory requirements are analyzed. The study concludes that the integration of AI technologies into the banking system is becoming an essential condition for its sustainable development and global competitiveness.
This article examines the transformational processes of the banking system, their importance in the development of the bank's business activities, the potential capabilities of bank employees, and following global trends. The improvement of the banking system takes place throughout the entire period of its formation, new opportunities appear, and the requirements for the activities of credit institutions change. Improving institutional quality is an important factor in reducing the risks of the banking system.
We investigated the relation between profitability and risks in the investments of commercial banks in real estate. The article investigates the position of real estate in the investment portfolio of banks, the earnings generating mechanisms and the principal types of risks experienced at the investment stage. Particular attention is paid to the impact of real estate investments on the financial stability of banks. The empirical study is conducted using the example of Kapitalbank, highlighting the importance of a risk-oriented approach in managing real estate investments. The implications of the study are practical for improving investment strategies and enhancing asset quality in commercial banks.
In carrying out their activities, commercial banks, as well as any economic entities operating in a market economy, strive to obtain maximum profit. However, it should be noted that any operations carried out by banks have a high risk impact. The article analyzes the economic essence of bank risks, the scientific views and approaches of various scientists and researchers, and also pays special attention to their classification.
. This article examines foreign experience in modeling risks affecting banks and its application to Uzbek banking practice. It provides a comprehensive analysis of banking risks affecting the activities of commercial banks and possible situations that may arise in econometric modeling of their impact
This article analyzes the implementation of artificial intelligence technologies in commercial banking, examining their impact on operational efficiency, credit risk assessment, and customer service systems. International best practices were compared with the current state of the banking sector in Uzbekistan. The findings indicate that AI can reduce operational costs, enhance fraud-detection efficiency, and improve service speed; however, challenges related to data quality, algorithmic transparency, and cybersecurity remain. The study provides policy recommendations and practical measures to address these issues and to improve the effective integration of AI in banking operations.
The article examines the issues of risky activities of small businesses, as well as risk management measures and problems of using insurance to minimize the risks of domestic business entities. Specific features of microinsurance products, their distribution channels, models for implementing microinsurance activities are identified, and foreign experience is studied. The need to use microinsurance as an innovative mechanism for managing small business risks is substantiated. Keywords:
This study examines the impact of the relationship between bank assets and liabilities on bank profitability, highlighting the critical role of effective asset-liability management in financial performance. Banks generate income primarily through interest earned on assets such as loans and investments, while liabilities, including deposits and borrowings, represent the cost of funds. The balance between these two elements determines net interest income (NII) and net interest margin (NIM), both key indicators of profitability. Factors such as interest rate spreads, asset quality, maturity mismatches, and liquidity management significantly influence the bank’s profitability. A well-managed asset-liability mix enhances income stability and reduces risks associated with interest rate fluctuations and liquidity constraints. Conversely, poor management can lead to reduced margins, increased risk exposure, and potential financial instability. Understanding and optimizing the interplay between assets and liabilities is essential for banks to maximize profitability, manage risks, and sustain long-term growth in a competitive and regulated environment. From this point of view, in this article, I tried to reveal the importance of the net interest margin in increasing the profitability of the bank, as well as the state of management of bank assets and liabilities in the banking system of the Republic of Uzbekistan and its effect on the efficiency of the banking system.
This article analyzed the composition of deposits in the banking system and their impact on financial stability. It studied how deposits formed by individuals and legal entities cause problems for banks in terms of liquidity, risks, and costs. During the study, the distribution of deposits between state-owned and private banks and their impact on the economy were considered. Practical proposals for sustainable development of the banking sector and effective management of deposit resources were developed in the article.
This article consists of developing practical proposals on the negative impact of risk on banking activities in our country based on international experience, in particular the capital adequacy ratio adopted by the Basel Committee and measures aimed at risk management and minimization.
The article discusses the recommendations of the International Basel Committee on regulation and control of the banking system and related requirements. The activity of the country's banking system is analyzed according to international standards and the relevant conclusions are given.
The article describes a number of risk types that may arise as a result of the digitalization of traditional banking activities as a result of the transformation of banking activities and the level of risk may increase, the most common types of cyber threats aimed at bank customers and banks themselves and their specific aspects, New risk management systems in banks, steps of strategic bank risk management, and author's approaches to effective risk management in the digital environment are presented. Overall, this paper provides insights into the multi-faceted nature of risk posed by commercial banks in the face of transformation and digitization, and what can be done by banks to effectively manage and mitigate this pervasive risk factor and ensure sustainable growth for banks. provides information on the various methods used.
In recent years, mortgage loans have become increasingly important. Also, without a system, the timely development of the capital market, including mortgage and insurance, is impossible. From this point of view, this topic is always relevant and is the focus of attention of researchers. This article analyzes the concept of mortgage insurance, its main types and implementation mechanisms. The article also indicates the main advantages of mortgage insurance for various participants in these relationships.
The article is aimed at increasing the efficiency and strengthening the financial stability of commercial banks of Uzbekistan, analyzing the main factors influencing the return on assets (ROA) indicator. Based on data from the Central Bank, the growth of the loan portfolio and the increase in the share of loans from individuals were analyzed. The article substantiates the need for strict management of credit risks, optimization of interest margins, optimization of operating expenses through digital technologies, and strategic diversification of assets through securities as the main drivers of increasing operational efficiency.
This article examines approaches to optimizing capital requirements for insurance companies in Uzbekistan. It analyzes existing regulatory frameworks and international standards, including Solvency II. The study explores risks associated with insufficient capitalization and proposes measures to improve capital and reserve management mechanisms. The research aims to adapt advanced regulatory practices to the national insurance market, ensuring its sustainable development.
This article examines approaches to optimizing capital requirements for insurance companies in Uzbekistan. It analyzes existing regulatory frameworks and international standards, including Solvency II. The study explores risks associated with insufficient capitalization and proposes measures to improve capital and reserve management mechanisms. The research aims to adapt advanced regulatory practices to the national insurance market, ensuring its sustainable development.
This article is devoted to the study of problems related to the operations of commercial banks in the securities market and ways to overcome them. Banks operate in the stock market in order to diversify their financial portfolio, manage risks and generate additional income. However, a number of problems arise in this process: factors such as lack of liquidity, market volatility, regulatory restrictions and information asymmetry can reduce the effectiveness of banking operations. To solve these problems, modern risk management methods, new rules adopted by regulatory authorities, the possibility of adapting to market conditions and using technological innovations are analyzed. The relevance of the topic is due to the importance of ensuring the financial stability of banks in conditions of volatility of global financial markets.
This article shows how important it is to transition to a green economy as a result of global climate change. Also, due to environmental and social problems, the priority tasks of green economy development and issues of increasing the role of banks in the development of green economy, environmental and social risks in banks and their assessment, green loans, green bonds expansion are presented.
The article examines the essence of digital assets and their types, the role of the development of digital technologies, analyzes the main advantages and risks associated with the introduction of digital assets into circulation, draws conclusions and proposals for the effective development of the banking system in the context of further digitalization of the economy.
