ASSESSMENT OF THE EFFICIENCY OF COMMERCIAL BANKS OF UZBEKISTAN USING THE ROA INDICATOR
Abstract
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.
Keywords:
commercial banks performance indicators income profit assets interestReferences
Gupta, Dr O. P. and Neetu Dongre. “COMPARATIVE ANALYSIS OF THE FINANCIAL PERFORMANCE OF THE BANKS.” International Journal of Research in Commerce and Management Studies (2024): n. pag.
Mahajan, Poonam et al. (2012) “ROA Performance of Public Sector Banks in India.” Social Science Research Network: n. pag.
Vernanda, Shinta Dewi and Endang Tri Widyarti (2016). “ANALISIS PENGARUH CAR, LDR, NPL, BOPO, DAN SIZE TERHADAP ROA (Studi pada Bank Umum Konvensional yang Terdaftar di Bursa Efek Indonesia Periode 2010-2015).” Diponegoro Journal of Management 5: 1040-1052.
Yatiningsih, Nur Fakhri and M. Chabachib M. Chabachib. (2015) “ANALISIS PENGARUH BOPO, LDR, NPL, SIZE, CAR DAN NIM TERHADAP ROA (Studi pada Bank Umum Konvensional Yang Listing di Bursa Efek Indonesia Periode 2009-2013).” Diponegoro Journal of Management: 485-494.
Downloads
Published
How to Cite
Issue
Section
License
This work is licensed under a Creative Commons Attribution 4.0 International License.
