ANALYSIS OF FINANCIAL PERFORMANCE OF COMMERCIAL BANKS IN UZBEKISTAN
Abstract
This study examines the financial performance of commercial banks in Uzbekistan within the context of ongoing economic reforms and modernization efforts. It analyzes income sources, expense structures, risk management practices, and regulatory impacts on banking operations. The research highlights how factors such as corporate governance, financial innovation, liquidity management, capital adequacy, and customer base diversity influence profitability and stability. Emphasis is placed on the role of technological advancement and market competition in shaping banks’ financial results. The analysis underscores the importance of aligning banking strategies with national economic development to ensure sustainable growth and financial sector resilience.
References
Мирзахмедов, Ш. (2020). O‘zbekiston bank tizimining rivojlanish strategiyasi. Toshkent: Iqtisodiyot va moliya nashriyoti.
Норматова, Г. (2019). Tijorat banklarining moliyaviy faoliyatini tahlil qilish. Toshkent: Toshkent moliya instituti.
Central Bank of Uzbekistan. (2023). Annual Report on the Banking Sector of Uzbekistan. Toshkent.
World Bank. (2022). Financial Sector Assessment Program – Uzbekistan. Washington, D.C.
Karimov, O. & Rasulov, D. (2021). Risk management in commercial banks of Uzbekistan. Journal of Banking and Finance Studies, 15(2), 45-62.
