This article examines retail banking products in commercial banks and their impact on the efficiency of banking activities. Through a comprehensive analysis of relevant literature and empirical data, the author studied various dimensions of retail banking products and their impact on banking efficiency. In addition, the article conducted research and analysis on the areas of transformation and digitization of banks, the role of retail banking products in increasing bank income, improving customer relations, and saving bank costs. In general, the article examined how retail banking products contribute to the efficiency of banking activities and conducted a comprehensive analysis on the example of JSCB with foreign capital “Hamkorbank”.
This article examines the impact of digital transformation and digital technologies on the effectiveness of banking activities. Through a comprehensive analysis of relevant literature and empirical data, the authors explore various dimensions of digital technologies and their impact on banking performance. In the article, digital transformation in the banking system involves the integration of digital technologies to modernize operations, improve customer experience and improve overall efficiency. This process has gained significant momentum in recent years as banks strive to remain competitive in a rapidly evolving financial environment. In the banking system, the analysis of digital transformations has been comprehensively analyzed on several key technologies that play a decisive role in increasing efficiency.
This article analyzes the return on assets (ROA) indicator in determining the efficiency of commercial banks in Uzbekistan. Bank efficiency is important for the stability of the financial system and economic growth. The study analyzed the activities of commercial banks in the country in 1999-2023 based on statistical data, and also examined the differences in efficiency levels depending on the type of ownership of banks. Although the ROA of state-owned banks was low compared to private and foreign banks, private banks showed the highest level of efficiency. In addition, it was noted that the instability of banking activities and the impact of the pandemic negatively affected efficiency. The results of the study make it possible to offer practical recommendations for improving the activities of commercial banks and the efficient use of resources.
This article discusses the advantages and analysis of ways to improve the efficiency of credit services in the process of transformation, as well as improving development prospects. The author's approaches and proposals are also presented to improve the efficiency of credit services, introduce new technologies, optimize business processes, update products and services, improve customer experience, reduce costs and increase profitability in the development of banking activities in changing market conditions, as well as to overcome them.
In this article, in the context of the transition to a digital economy, an analysis of the importance of digitization processes of the economy of our country, the application of digitization in banking activities, positive and negative aspects, scientific-theoretical views of foreign and domestic factors, an indicator of the use of digital tools of the population was carried out.
This article examines the processes of integration of traditional and Islamic banking activities, their impact on the global financial market, and the opportunities and challenges in this area. The study analyzes the economic efficiency of the creation of “Islamic windows” within traditional banks, their role in ensuring financial stability, and the possibilities of diversifying the financial market. It also highlights the importance of this integration in the stability of the banking system in developing countries and attracting foreign investment based on empirical and theoretical approaches. The article reveals the prospects for international financial cooperation and strengthening the position of Islamic finance in the global financial market.
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 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.
In developed countries, by improving the practical foundations of the credit mechanism, the role of commercial banks in the development of the real sector of the economy, in ensuring the efficiency of the use of loans, and in the development of bank lending activities on the basis of innovations is ensured. The article reveals urgent problems related to the improvement of the practical foundations of the credit mechanism and develops scientific problems aimed at solving these problems.
