The article examines the impact of commercial banks’ income diversification on profitability and financial stability. To assess income sources, the Commercial Banks’ Income Sources Diversification Index (CBISDI) is proposed, combining the shares of non-interest and commission income, income from digital services, income concentration, risk-adjusted profitability, and income stability. Bank profitability is evaluated using ROA, ROE, and net interest margin, while financial stability is assessed through non-performing loans, capital adequacy, and liquidity indicators. The findings substantiate the need to expand stable non-interest income sources, including commission-based services, digital banking, acquiring, corporate services, and trade finance.
| Mualliflar | Ahmedov , Komron, Ахмедов , Комрон, Ahmedov , Komron |
|---|---|
| Jurnal | Иқтисодий тараққиёт ва таҳлил |
| Nashr sanasi | 2026-07-31 |
| Jild | 4 |
| Son | 7 |
| Betlar | 22-33 |
| Til | O‘zbek |
| DOI | 10.60078/2992-877x-2026-vol4-iss7-pp22-33 |
DOI: 10.60078/2992-877x-2026-vol4-iss7-pp22-33 · Maqolaning asl sahifasi
commercial banks, income source diversification, non-interest income, fee and commission income, digital banking services, financial stability, коммерческие банки, диверсификация источников доходов, непроцентные доходы, комиссионные доходы, цифровые банковские услуги, финансовая устойчивость, рентабельность активов, tijorat banklari, daromad manbalari diversifikatsiyasi, foizsiz daromadlar, komissiya daromadlari, raqamli bank xizmatlari, moliyaviy barqarorlik, aktivlar rentabelligi
This article examines the financing and credibility dynamics of the early-stage startup ecosystem in Uzbekistan and their implications for entrepreneurship policy. Using an interpretivist, qualitative approach, it…
This research comprehensively analyzes the theoretical, historical, and practical aspects of assessing and monitoring green product performance. The article systematically examines the evolutionary stages of…
This article analyzes the importance of innovative marketing technologies in ensuring the interests of the local population in pilgrimage tourism. The study examined the development trends of pilgrimage tourism, its…
This article analyzes the theoretical and methodological aspects of the implementation of banking ecosystems in the national banking and financial sectors of the Republic of Uzbekistan, as well as considers the issues…
This article examines the theoretical and practical foundations of tax culture formation in the context of the digital economy. It explains the essence of tax culture and highlights its role in strengthening tax…
This article examines modern trends in youth employment within the context of the digital economy and highlights the importance of digital employment opportunities. The study analyzes the impact of digital…
This article analyzes the algorithmic recommendation system of the Uzum Market e-commerce platform and its impact on consumer purchasing decisions. The platform's algorithmic recommendations generate personalized…
The article examines the conceptual foundations of sustainable transport, its key components and international implementation experience. Environmental, economic and social aspects of transport system transformation…
This article assesses the digital-strategic capacity supporting smart-city development across 14 administrative regions of Uzbekistan. The empirical dataset was compiled from official statistics for 2020–2025. Four…
This article outlines the theoretical foundations of the concept of valuation and managing the value of enterprises, the specifics of valuation and managing the value of enterprises operating in the service sectors, and…