The impact of commercial banks’ income diversification on profitability and financial stability

Ahmedov , Komron, Ахмедов , Комрон, Ahmedov , Komron

Иқтисодий тараққиёт ва таҳлил · 2026-yil

Annotatsiya

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.

Maqola ma’lumotlari
MualliflarAhmedov , Komron, Ахмедов , Комрон, Ahmedov , Komron
JurnalИқтисодий тараққиёт ва таҳлил
NashriyotЎзбекистон иқтисодиётини ривожлантиришнинг илмий-тадқиқот маркази
ISSN2992-877X
Nashr sanasi2026-07-31
Jild4
Son7
Betlar22-33
TilIngliz
Ilmiy sohaIqtisodiyot
DOI10.60078/2992-877x-2026-vol4-iss7-pp22-33
Indeksga qo‘shilgan2026-08-27

DOI: 10.60078/2992-877x-2026-vol4-iss7-pp22-33 · Maqolaning asl sahifasi

Kalit so‘zlar

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

Ilmiy soha

Iqtisodiyot

Iqtibos keltirish

APAAhmedov , Komron, Ахмедов , Комрон, & Ahmedov , Komron (2026). THE IMPACT OF COMMERCIAL BANKS’ INCOME DIVERSIFICATION ON PROFITABILITY AND FINANCIAL STABILITY. Иқтисодий тараққиёт ва таҳлил, 4(7), 22-33. https://doi.org/10.60078/2992-877x-2026-vol4-iss7-pp22-33
GOST (OAK)Ahmedov , Komron, Ахмедов , Комрон, Ahmedov , Komron THE IMPACT OF COMMERCIAL BANKS’ INCOME DIVERSIFICATION ON PROFITABILITY AND FINANCIAL STABILITY // Иқтисодий тараққиёт ва таҳлил. – 2026. – T. 4, № 7. – P. 22-33. – DOI: 10.60078/2992-877x-2026-vol4-iss7-pp22-33.
MLAAhmedov , Komron, Ахмедов , Комрон, and Ahmedov , Komron. “THE IMPACT OF COMMERCIAL BANKS’ INCOME DIVERSIFICATION ON PROFITABILITY AND FINANCIAL STABILITY.” Иқтисодий тараққиёт ва таҳлил, 4(7), 22-33, 2026. https://doi.org/10.60078/2992-877x-2026-vol4-iss7-pp22-33
ChicagoAhmedov , Komron, Ахмедов , Комрон, and Ahmedov , Komron. “THE IMPACT OF COMMERCIAL BANKS’ INCOME DIVERSIFICATION ON PROFITABILITY AND FINANCIAL STABILITY.” Иқтисодий тараққиёт ва таҳлил, 4(7), 22-33 (2026). https://doi.org/10.60078/2992-877x-2026-vol4-iss7-pp22-33
HarvardAhmedov , Komron, Ахмедов , Комрон, and Ahmedov , Komron (2026) ‘THE IMPACT OF COMMERCIAL BANKS’ INCOME DIVERSIFICATION ON PROFITABILITY AND FINANCIAL STABILITY’, Иқтисодий тараққиёт ва таҳлил, 4(7), 22-33. https://doi.org/10.60078/2992-877x-2026-vol4-iss7-pp22-33
BibTeX
@article{ahmedovkomron2026,
  title = {THE IMPACT OF COMMERCIAL BANKS’ INCOME DIVERSIFICATION ON PROFITABILITY AND FINANCIAL STABILITY},
  author = {Ahmedov , Komron and Ахмедов , Комрон and Ahmedov , Komron},
  journal = {Иқтисодий тараққиёт ва таҳлил},
  year = {2026},
  volume = {4},
  number = {7},
  pages = {22-33},
  doi = {10.60078/2992-877x-2026-vol4-iss7-pp22-33},
  url = {https://doi.org/10.60078/2992-877x-2026-vol4-iss7-pp22-33}
}

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