The effect of the relationship between bank assets and liabilities on bank profitability

Soatov, Farhod, Соатов, Фарход, Soatov, Farhod

Иқтисодий тараққиёт ва таҳлил · 2024-yil

Annotatsiya

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.

Maqola ma’lumotlari
MualliflarSoatov, Farhod, Соатов, Фарход, Soatov, Farhod
JurnalИқтисодий тараққиёт ва таҳлил
NashriyotЎзбекистон иқтисодиётини ривожлантиришнинг илмий-тадқиқот маркази
ISSN2992-877X
Nashr sanasi2024-10-31
Jild2
Son10
Betlar205-216
TilIngliz
Ilmiy sohaIqtisodiyot
DOI10.60078/2992-877x-2024-vol2-iss10-pp205-216
Indeksga qo‘shilgan2026-08-27

DOI: 10.60078/2992-877x-2024-vol2-iss10-pp205-216 · Maqolaning asl sahifasi

Kalit so‘zlar

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

Ilmiy soha

Iqtisodiyot

Iqtibos keltirish

APASoatov, Farhod, Соатов, Фарход, & Soatov, Farhod (2024). THE EFFECT OF THE RELATIONSHIP BETWEEN BANK ASSETS AND LIABILITIES ON BANK PROFITABILITY. Иқтисодий тараққиёт ва таҳлил, 2(10), 205-216. https://doi.org/10.60078/2992-877x-2024-vol2-iss10-pp205-216
GOST (OAK)Soatov, Farhod, Соатов, Фарход, Soatov, Farhod THE EFFECT OF THE RELATIONSHIP BETWEEN BANK ASSETS AND LIABILITIES ON BANK PROFITABILITY // Иқтисодий тараққиёт ва таҳлил. – 2024. – T. 2, № 10. – P. 205-216. – DOI: 10.60078/2992-877x-2024-vol2-iss10-pp205-216.
MLASoatov, Farhod, Соатов, Фарход, and Soatov, Farhod. “THE EFFECT OF THE RELATIONSHIP BETWEEN BANK ASSETS AND LIABILITIES ON BANK PROFITABILITY.” Иқтисодий тараққиёт ва таҳлил, 2(10), 205-216, 2024. https://doi.org/10.60078/2992-877x-2024-vol2-iss10-pp205-216
ChicagoSoatov, Farhod, Соатов, Фарход, and Soatov, Farhod. “THE EFFECT OF THE RELATIONSHIP BETWEEN BANK ASSETS AND LIABILITIES ON BANK PROFITABILITY.” Иқтисодий тараққиёт ва таҳлил, 2(10), 205-216 (2024). https://doi.org/10.60078/2992-877x-2024-vol2-iss10-pp205-216
HarvardSoatov, Farhod, Соатов, Фарход, and Soatov, Farhod (2024) ‘THE EFFECT OF THE RELATIONSHIP BETWEEN BANK ASSETS AND LIABILITIES ON BANK PROFITABILITY’, Иқтисодий тараққиёт ва таҳлил, 2(10), 205-216. https://doi.org/10.60078/2992-877x-2024-vol2-iss10-pp205-216
BibTeX
@article{soatovfarhod2024,
  title = {THE EFFECT OF THE RELATIONSHIP BETWEEN BANK ASSETS AND LIABILITIES ON BANK PROFITABILITY},
  author = {Soatov, Farhod and Соатов, Фарход and Soatov, Farhod},
  journal = {Иқтисодий тараққиёт ва таҳлил},
  year = {2024},
  volume = {2},
  number = {10},
  pages = {205-216},
  doi = {10.60078/2992-877x-2024-vol2-iss10-pp205-216},
  url = {https://doi.org/10.60078/2992-877x-2024-vol2-iss10-pp205-216}
}

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