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.
| Mualliflar | Soatov, Farhod, Соатов, Фарход, Soatov, Farhod |
|---|---|
| Jurnal | Иқтисодий тараққиёт ва таҳлил |
| Nashr sanasi | 2024-10-31 |
| Jild | 2 |
| Son | 10 |
| Betlar | 205-216 |
| Til | O‘zbek |
| DOI | 10.60078/2992-877x-2024-vol2-iss10-pp205-216 |
DOI: 10.60078/2992-877x-2024-vol2-iss10-pp205-216 · Maqolaning asl sahifasi
чистая процентная маржа, рентабельность банка, процентный спрэд, ликвидность, качество активов, управление рисками, net interest margin, bank profitability, interest rate spread, liquidity, asset quality, risk management, sof foizli marja, bank rentabelligi, foiz stavkasi spredi, likvidlik, aktivlar sifati, risklarni boshqarish
The rise of social media has revolutionized tourism marketing, making influencers and social media figures key players in shaping travelers' perceptions of destinations. Platforms such as Instagram, YouTube, and TikTok…
In this аrticlе, оn thе bаsis оf thе clustеr аpprоаch, аn аnаlуsis оf fаctоrs аffеcting thе dеvеlоpmеnt оf innоvаtivе аctivitу аnd cоmpеtitivеnеss оf thе sоciаl tоurism sеctоr, fеаturеs оf businеss еnvirоnmеnt аnd…
This article explores the impact of e-commerce on economic development across three categories of countries: developed, emerging markets, and developing countries. The analysis utilizes economic indicators, e-commerce…
This article discusses the content and importance of inventory in agricultural enterprises. The main stages, methods and rules for conducting inventory were also studied, proposals and recommendations were developed.
The article analyzes the dynamics of Uzbekistan's exports of goods and services from 2010 to 2023. It assesses the diversification of both the commodity structure and the geographic distribution of exports using the…
The article describes structural changes in the regional economy and their impact on economic development. The main objective of the study is to justify the need to study the features of the regional structure. The…
This article focuses on examining the efficiency and economic benefits of managing public procurement for budget organizations in the Republic of Uzbekistan through electronic stores. The primary objectives of…
The role and importance of foreign investments in the development of the national economy and the increase in innovative activity are revealed in the article, the principles of investment attraction are considered and…
This article explores the importance of international regulations in ensuring sustainable development. The study analyzed quantitative indicators of climate change, including CO2 emissions. It focuses on the mechanisms…
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…