Dynamics of net interest margin and efficiency analysis in commercial banks of Uzbekistan

Xannayev , Sherzod, Ханнаев , Шерзод, Xannayev , Sherzod

Илғор иқтисодиёт ва педагогик технологиялар · 2025-yil

Annotatsiya

This paper analyzes the dynamics of net interest margin (NIM) in commercial banks of Uzbekistan for the period 1999–2023. Net interest margin reflects the efficiency of generating income from interest-bearing assets and is an important indicator for assessing financial stability and profitability. The study examines differences between banks by ownership type, time trends, and the impact of outliers. The results indicate that foreign banks have significantly higher NIM compared to other groups, while state-owned banks demonstrate the lowest efficiency. Furthermore, since 2017, the efficiency of state-owned banks with direct government ownership has increased significantly.

Maqola ma’lumotlari
MualliflarXannayev , Sherzod, Ханнаев , Шерзод, Xannayev , Sherzod
JurnalИлғор иқтисодиёт ва педагогик технологиялар
NashriyotТошкент давлат иқтисодиёт университети ҳузуридаги «Ўзбекистон иқтисодиётини ривожлантиришнинг илмий асослари ва муаммолари» илмий-тадқиқот маркази
ISSN1994-2025
Nashr sanasi2025-08-15
Jild2
Son4
Betlar417-426
TilIngliz
Ilmiy sohaIqtisodiyot
DOI10.60078/3060-4842-2025-vol2-iss4-pp417-426
Indeksga qo‘shilgan2026-08-26

DOI: 10.60078/3060-4842-2025-vol2-iss4-pp417-426 · Maqolaning asl sahifasi

Kalit so‘zlar

net interest margin, commercial banks, efficiency, interest-bearing assets, financial stability, чистая процентная маржа, коммерческие банки, эффективность, процентные активы, финансовая устойчивость, sof foiz marjasi, tijorat banklari, samaradorlik, foizli aktivlar, moliyaviy barqarorlik

Ilmiy soha

Iqtisodiyot

Iqtibos keltirish

APAXannayev , Sherzod, Ханнаев , Шерзод, & Xannayev , Sherzod (2025). DYNAMICS OF NET INTEREST MARGIN AND EFFICIENCY ANALYSIS IN COMMERCIAL BANKS OF UZBEKISTAN. Илғор иқтисодиёт ва педагогик технологиялар, 2(4), 417-426. https://doi.org/10.60078/3060-4842-2025-vol2-iss4-pp417-426
GOST (OAK)Xannayev , Sherzod, Ханнаев , Шерзод, Xannayev , Sherzod DYNAMICS OF NET INTEREST MARGIN AND EFFICIENCY ANALYSIS IN COMMERCIAL BANKS OF UZBEKISTAN // Илғор иқтисодиёт ва педагогик технологиялар. – 2025. – T. 2, № 4. – P. 417-426. – DOI: 10.60078/3060-4842-2025-vol2-iss4-pp417-426.
MLAXannayev , Sherzod, Ханнаев , Шерзод, and Xannayev , Sherzod. “DYNAMICS OF NET INTEREST MARGIN AND EFFICIENCY ANALYSIS IN COMMERCIAL BANKS OF UZBEKISTAN.” Илғор иқтисодиёт ва педагогик технологиялар, 2(4), 417-426, 2025. https://doi.org/10.60078/3060-4842-2025-vol2-iss4-pp417-426
ChicagoXannayev , Sherzod, Ханнаев , Шерзод, and Xannayev , Sherzod. “DYNAMICS OF NET INTEREST MARGIN AND EFFICIENCY ANALYSIS IN COMMERCIAL BANKS OF UZBEKISTAN.” Илғор иқтисодиёт ва педагогик технологиялар, 2(4), 417-426 (2025). https://doi.org/10.60078/3060-4842-2025-vol2-iss4-pp417-426
HarvardXannayev , Sherzod, Ханнаев , Шерзод, and Xannayev , Sherzod (2025) ‘DYNAMICS OF NET INTEREST MARGIN AND EFFICIENCY ANALYSIS IN COMMERCIAL BANKS OF UZBEKISTAN’, Илғор иқтисодиёт ва педагогик технологиялар, 2(4), 417-426. https://doi.org/10.60078/3060-4842-2025-vol2-iss4-pp417-426
BibTeX
@article{xannayevsherzod2025,
  title = {DYNAMICS OF NET INTEREST MARGIN AND EFFICIENCY ANALYSIS IN COMMERCIAL BANKS OF UZBEKISTAN},
  author = {Xannayev , Sherzod and Ханнаев , Шерзод and Xannayev , Sherzod},
  journal = {Илғор иқтисодиёт ва педагогик технологиялар},
  year = {2025},
  volume = {2},
  number = {4},
  pages = {417-426},
  doi = {10.60078/3060-4842-2025-vol2-iss4-pp417-426},
  url = {https://doi.org/10.60078/3060-4842-2025-vol2-iss4-pp417-426}
}

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