WAYS OF EFFECTIVE ASSETS MANAGEMENT TO IMPROVE THE EFFECTIVENESS OF COMMERCIAL BANKS' ACTIVITIES
DOI:
https://doi.org/10.60078/2992-877X-2025-vol3-iss12-pp198-203Abstract
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.
Keywords:
commercial banks return on assets (ROA) loan portfolio non-performing loans (NPL) digital transformation asset diversification interest marginReferences
ACM Digital Library (2022) A Methodology for Assessing the Effectiveness of the Introduction of Digital Technologies in Commercial Banks of Uzbekistan [online]. Available at: https://dl.acm.org
Basel Committee on Banking Supervision (2019) Principles for the Sound Management of Credit Risk. Bank for International Settlements [online]. Available at: https://www.bis.org
Gomber, P. et al. (2017) ‘On the Fintech Revolution: Interpreting the Forces of Innovation and Transformation in Financial Services’, Journal of Management Information Systems, 35(1), pp. 220–265.
Farmon (2020) O‘zbekiston Respublikasi Prezidenti Farmoni PF–5992. Bank tizimini isloh qilishning 2020–2025-yillarga mo‘ljallangan strategiyasi to‘g‘risida.
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