Comparative analysis of the profitability of Uzbekistan's commercial banks AT the republic and individual bank level

Kasimova , Zilolaxon, Касимова , Зилолахон, Kasimova , Zilolaxon

Иқтисодий тараққиёт ва таҳлил · 2026-yil

Annotatsiya

This article analyzes the operating efficiency of Uzbekistan's commercial banks based on the core profitability indicators adopted in the IMF's Financial Soundness Indicators (FSI) framework — return on assets (ROA/ROAA), return on equity (ROE/ROAE), net interest margin (NIM), and the cost-to-income ratio (CIR) — at the republic level and across individual banks. At the republic level, ROA declined from 2.2% in 2020 to 1.3% in 2021, rose to 2.6% in 2023, fell again in 2024, and recovered to 2.2% in 2025; ROE showed a similarly volatile pattern, reaching 12.4% in 2025. A comparative analysis based on Orbis (Bureau van Dijk) data for five state-owned and five private commercial banks showed that private banks consistently outperformed state banks on ROAA and ROAE, while the National Bank for Foreign Economic Activity (NBU) demonstrated the highest operating efficiency among all banks in terms of CIR.

Maqola ma’lumotlari
MualliflarKasimova , Zilolaxon, Касимова , Зилолахон, Kasimova , Zilolaxon
JurnalИқтисодий тараққиёт ва таҳлил
NashriyotЎзбекистон иқтисодиётини ривожлантиришнинг илмий-тадқиқот маркази
ISSN2992-877X
Nashr sanasi2026-09-29
Jild4
Son9
Betlar72-78
TilIngliz
Ilmiy sohaIqtisodiyot
DOI10.60078/2992-877x-2026-vol4-iss9-pp72-78
Indeksga qo‘shilgan2026-10-06

DOI: 10.60078/2992-877x-2026-vol4-iss9-pp72-78 · Maqolaning asl sahifasi

Kalit so‘zlar

bank profitability, ROA, ROE, ROAA, ROAE, NIM, CIR, IMF, доходность банков, ROA, ROE, ROAA, ROAE, NIM, CIR, IMF, bank daromadliligi, ROA, ROE, ROAA, ROAE, NIM, CIR, IMF

Ilmiy soha

Iqtisodiyot

Iqtibos keltirish

APAKasimova , Zilolaxon, Касимова , Зилолахон, & Kasimova , Zilolaxon (2026). COMPARATIVE ANALYSIS OF THE PROFITABILITY OF UZBEKISTAN'S COMMERCIAL BANKS AT THE REPUBLIC AND INDIVIDUAL BANK LEVEL. Иқтисодий тараққиёт ва таҳлил, 4(9), 72-78. https://doi.org/10.60078/2992-877x-2026-vol4-iss9-pp72-78
GOST (OAK)Kasimova , Zilolaxon, Касимова , Зилолахон, Kasimova , Zilolaxon COMPARATIVE ANALYSIS OF THE PROFITABILITY OF UZBEKISTAN'S COMMERCIAL BANKS AT THE REPUBLIC AND INDIVIDUAL BANK LEVEL // Иқтисодий тараққиёт ва таҳлил. – 2026. – T. 4, № 9. – P. 72-78. – DOI: 10.60078/2992-877x-2026-vol4-iss9-pp72-78.
MLAKasimova , Zilolaxon, Касимова , Зилолахон, and Kasimova , Zilolaxon. “COMPARATIVE ANALYSIS OF THE PROFITABILITY OF UZBEKISTAN'S COMMERCIAL BANKS AT THE REPUBLIC AND INDIVIDUAL BANK LEVEL.” Иқтисодий тараққиёт ва таҳлил, 4(9), 72-78, 2026. https://doi.org/10.60078/2992-877x-2026-vol4-iss9-pp72-78
ChicagoKasimova , Zilolaxon, Касимова , Зилолахон, and Kasimova , Zilolaxon. “COMPARATIVE ANALYSIS OF THE PROFITABILITY OF UZBEKISTAN'S COMMERCIAL BANKS AT THE REPUBLIC AND INDIVIDUAL BANK LEVEL.” Иқтисодий тараққиёт ва таҳлил, 4(9), 72-78 (2026). https://doi.org/10.60078/2992-877x-2026-vol4-iss9-pp72-78
HarvardKasimova , Zilolaxon, Касимова , Зилолахон, and Kasimova , Zilolaxon (2026) ‘COMPARATIVE ANALYSIS OF THE PROFITABILITY OF UZBEKISTAN'S COMMERCIAL BANKS AT THE REPUBLIC AND INDIVIDUAL BANK LEVEL’, Иқтисодий тараққиёт ва таҳлил, 4(9), 72-78. https://doi.org/10.60078/2992-877x-2026-vol4-iss9-pp72-78
BibTeX
@article{kasimovazilolaxon2026,
  title = {COMPARATIVE ANALYSIS OF THE PROFITABILITY OF UZBEKISTAN'S COMMERCIAL BANKS AT THE REPUBLIC AND INDIVIDUAL BANK LEVEL},
  author = {Kasimova , Zilolaxon and Касимова , Зилолахон and Kasimova , Zilolaxon},
  journal = {Иқтисодий тараққиёт ва таҳлил},
  year = {2026},
  volume = {4},
  number = {9},
  pages = {72-78},
  doi = {10.60078/2992-877x-2026-vol4-iss9-pp72-78},
  url = {https://doi.org/10.60078/2992-877x-2026-vol4-iss9-pp72-78}
}

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