Tijorat bankining operatsion xarajatlarini funksional-qiymat tahlili asosida optimallashtirish

Xudayarov Oybek Odilovich

Marketing · 2026-yil

Annotatsiya

The article examined opportunities to optimise commercial bank operating expenses through functional value analysis. A method combining functional assessment with time-driven costing was proposed. The empirical analysis used Aloqabank’s reported indicators for 2024-2025. Changes in service networks, digital user numbers, and operating expenses were compared. Chain substitution decomposed changes in expenses per digital user into user growth and operating expense components. Calculations indicated a 35 percent reduction in expenses per digital user, primarily associated with expansion of the user base. Recommendations covered functional audits, channel-specific costing, and staff retraining. The findings provided an analytical basis for expense planning and improvements to the service model.

Maqola ma’lumotlari
MualliflarXudayarov Oybek Odilovich
JurnalMarketing
NashriyotТошкент давлат иқтисодиёт университети
ISSN3060-4621
Nashr sanasi2026-10-15
Son10
Betlar354-362
TilO‘zbek
Ilmiy sohaIqtisodiyot
DOI10.67668/mj/2026iss10/2228
Indeksga qo‘shilgan2026-10-29

DOI: 10.67668/mj/2026iss10/2228 · Maqolaning asl sahifasi

Kalit so‘zlar

tijorat banki, operatsion xarajatlar, funksional-qiymat tahlili, vaqtga asoslangan xarajatlar hisobi, raqamli bank xizmatlari, birlik xarajat, omilli tahlil, xarajatlarni optimallashtirish, коммерческий банк, операционные расходы, функционально-стоимостной анализ, учёт затрат по времени, цифровые банковские услуги, удельные расходы, факторный анализ, оптимизация расходов, commercial bank, operating expenses, functional value analysis, time-driven costing, digital banking services, unit cost, factor analysis, cost optimisation

Ilmiy soha

Iqtisodiyot

Iqtibos keltirish

APAXudayarov Oybek Odilovich (2026). TIJORAT BANKINING OPERATSION XARAJATLARINI FUNKSIONAL-QIYMAT TAHLILI ASOSIDA OPTIMALLASHTIRISH. Marketing, (10), 354-362. https://doi.org/10.67668/mj/2026iss10/2228
GOST (OAK)Xudayarov Oybek Odilovich TIJORAT BANKINING OPERATSION XARAJATLARINI FUNKSIONAL-QIYMAT TAHLILI ASOSIDA OPTIMALLASHTIRISH // Marketing. – 2026. – № 10. – B. 354-362. – DOI: 10.67668/mj/2026iss10/2228.
MLAXudayarov Oybek Odilovich. “TIJORAT BANKINING OPERATSION XARAJATLARINI FUNKSIONAL-QIYMAT TAHLILI ASOSIDA OPTIMALLASHTIRISH.” Marketing, (10), 354-362, 2026. https://doi.org/10.67668/mj/2026iss10/2228
ChicagoXudayarov Oybek Odilovich. “TIJORAT BANKINING OPERATSION XARAJATLARINI FUNKSIONAL-QIYMAT TAHLILI ASOSIDA OPTIMALLASHTIRISH.” Marketing, (10), 354-362 (2026). https://doi.org/10.67668/mj/2026iss10/2228
HarvardXudayarov Oybek Odilovich (2026) ‘TIJORAT BANKINING OPERATSION XARAJATLARINI FUNKSIONAL-QIYMAT TAHLILI ASOSIDA OPTIMALLASHTIRISH’, Marketing, (10), 354-362. https://doi.org/10.67668/mj/2026iss10/2228
BibTeX
@article{xudayarovoybekodilovich2026,
  title = {TIJORAT BANKINING OPERATSION XARAJATLARINI FUNKSIONAL-QIYMAT TAHLILI ASOSIDA OPTIMALLASHTIRISH},
  author = {Xudayarov Oybek Odilovich},
  journal = {Marketing},
  year = {2026},
  number = {10},
  pages = {354-362},
  doi = {10.67668/mj/2026iss10/2228},
  url = {https://doi.org/10.67668/mj/2026iss10/2228}
}

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