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.
| Mualliflar | Nomozov, Umid, Номозов , Умид, Nomozov , Umid |
|---|---|
| Jurnal | Иқтисодий тараққиёт ва таҳлил |
| Nashriyot | Ўзбекистон иқтисодиётини ривожлантиришнинг илмий-тадқиқот маркази |
| ISSN | 2992-877X |
| Nashr sanasi | 2025-12-29 |
| Jild | 3 |
| Son | 12 |
| Betlar | 198-203 |
| Til | Ingliz |
| Ilmiy soha | Iqtisodiyot |
| DOI | 10.60078/2992-877x-2025-vol3-iss12-pp198-203 |
| Indeksga qo‘shilgan | 2026-08-27 |
DOI: 10.60078/2992-877x-2025-vol3-iss12-pp198-203 · Maqolaning asl sahifasi
commercial banks, return on assets (ROA), loan portfolio, non-performing loans (NPL), digital transformation, asset diversification, interest margin, коммерческие банки, рентабельность активов (ROA), кредитный портфель, проблемные кредиты (NPL), цифровая трансформация, диверсификация активов, tijorat banklari, aktivlar rentabelligi (ROA), kredit portfeli, muammoli kreditlar (NPL), raqamli transformatsiya, aktivlar diversifikatsiyas, foiz marjasi
| APA | Nomozov, Umid, Номозов , Умид, & Nomozov , Umid (2025). WAYS OF EFFECTIVE ASSETS MANAGEMENT TO IMPROVE THE EFFECTIVENESS OF COMMERCIAL BANKS' ACTIVITIES. Иқтисодий тараққиёт ва таҳлил, 3(12), 198-203. https://doi.org/10.60078/2992-877x-2025-vol3-iss12-pp198-203 |
|---|---|
| GOST (OAK) | Nomozov, Umid, Номозов , Умид, Nomozov , Umid WAYS OF EFFECTIVE ASSETS MANAGEMENT TO IMPROVE THE EFFECTIVENESS OF COMMERCIAL BANKS' ACTIVITIES // Иқтисодий тараққиёт ва таҳлил. – 2025. – T. 3, № 12. – P. 198-203. – DOI: 10.60078/2992-877x-2025-vol3-iss12-pp198-203. |
| MLA | Nomozov, Umid, Номозов , Умид, and Nomozov , Umid. “WAYS OF EFFECTIVE ASSETS MANAGEMENT TO IMPROVE THE EFFECTIVENESS OF COMMERCIAL BANKS' ACTIVITIES.” Иқтисодий тараққиёт ва таҳлил, 3(12), 198-203, 2025. https://doi.org/10.60078/2992-877x-2025-vol3-iss12-pp198-203 |
| Chicago | Nomozov, Umid, Номозов , Умид, and Nomozov , Umid. “WAYS OF EFFECTIVE ASSETS MANAGEMENT TO IMPROVE THE EFFECTIVENESS OF COMMERCIAL BANKS' ACTIVITIES.” Иқтисодий тараққиёт ва таҳлил, 3(12), 198-203 (2025). https://doi.org/10.60078/2992-877x-2025-vol3-iss12-pp198-203 |
| Harvard | Nomozov, Umid, Номозов , Умид, and Nomozov , Umid (2025) ‘WAYS OF EFFECTIVE ASSETS MANAGEMENT TO IMPROVE THE EFFECTIVENESS OF COMMERCIAL BANKS' ACTIVITIES’, Иқтисодий тараққиёт ва таҳлил, 3(12), 198-203. https://doi.org/10.60078/2992-877x-2025-vol3-iss12-pp198-203 |
| BibTeX | @article{nomozovumid2025,
title = {WAYS OF EFFECTIVE ASSETS MANAGEMENT TO IMPROVE THE EFFECTIVENESS OF COMMERCIAL BANKS' ACTIVITIES},
author = {Nomozov, Umid and Номозов , Умид and Nomozov , Umid},
journal = {Иқтисодий тараққиёт ва таҳлил},
year = {2025},
volume = {3},
number = {12},
pages = {198-203},
doi = {10.60078/2992-877x-2025-vol3-iss12-pp198-203},
url = {https://doi.org/10.60078/2992-877x-2025-vol3-iss12-pp198-203}
} |
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