CURRENT STATE OF THE FORMATION OF INCOME OF COMMERCIAL BANKS
- Authors
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Alikulova Aziza Nurkhayotovna
Independent Researcher of Tashkent State University of Economics, Tashkent, Uzbekistan
Author
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- Keywords:
- Financial result, loan portfolio, commercial banks, bank assets, diversification, bank income, bank expenses, financing.
- Abstract
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This article deeply analyzes the mechanisms of commercial banks' income formation and their transformation processes in modern economic conditions. First of all, the traditional sources of bank income - interest and non-interest income, profit from investment activity and income from providing services - were analytically studied. In the context of current economic reforms, changes in the business models of banks, the impact of digital banking and fintech technologies on the revenue structure are highlighted. The article analyzes real statistical data on the example of commercial banks of Uzbekistan based on a scientific-practical approach. The structural structure of income, the dynamics of their growth, the level of diversification of income sources, and factors affecting financial stability are studied. International experience and regulatory aspects are also analyzed, and proposals and recommendations are developed on problems and promising solutions in the national banking system.
- References
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- Published
- 2026-06-09
- Issue
- Vol. 2 No. 6 (2026)
- Section
- Articles
- License
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This work is licensed under a Creative Commons Attribution 4.0 International License.
