ESG MANAGEMENT IN COMMERCIAL BANKS OF UZBEKISTAN: EVALUATION PRACTICES, KEY DETERMINANTS, AND STRATEGIC PRIORITIES

Abdullaeva, Sanemkhan

Муҳандислик ва Иқтисодиёт · 2026-yil

Annotatsiya

This article examines Environmental, Social, and Governance (ESG) management practices within the commercialbanking sector of Uzbekistan, a transition economy at an early but accelerating stage of sustainability integration.Drawing on a multi-method research design that combines semi-structured expert interviews with banking practitioners,systematic analysis of bank annual reports and regulatory documents, and a comparative review of empirical evidencefrom Middle Eastern and international banking contexts, the study identifies the principal factors shaping ESG adoptionand benchmarks Uzbek bank performance against regional and global comparators. The findings reveal that Uzbekistan’sbanking sector exhibits a composite ESG score of approximately 14-19 out of 100 – substantially below the regionalMiddle Eastern average of 44.3 and the global LSEG average of 52 – with the governance and environmental pillars representingthe most acute performance gaps. Six principal factor clusters determine ESG management trajectories: regulatoryand institutional frameworks, bank-level governance, international cooperation, institutional capacity, macroeconomiccontext, and market-based investor pressure. The regulatory environment, characterized by expanding but non-bindingpolicy frameworks and the absence of a national ESG taxonomy applicable to the full banking sector, is identified as themost significant external constraint. The article develops a sequenced, evidence-based reform agenda, establishing governanceformalization as the highest-priority entry point for ESG investment based on cross-country evidence that governancequality improvements generate measurable reductions in the cost of debt and equity in emerging market banks.The article contributes to the sparse empirical literature on ESG management in post-Soviet transition economies andprovides actionable recommendations for banking practitioners and regulators in Uzbekistan

Maqola ma’lumotlari
MualliflarAbdullaeva, Sanemkhan
JurnalМуҳандислик ва Иқтисодиёт
Nashr sanasi2026-05-01
Jild4
Son5
TilIngliz

Kalit so‘zlar

ESG management; commercial banks; Uzbekistan; green banking; sustainability; cost of capital; transition economies; governance quality

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