TIJORAT BANKLARINING MOLIYAVIY BARQARORLIGINI KOMPLEKS INDIKATORLAR TIZIMI ASOSIDA BAHOLASH METODOLOGIYASINI TAKOMILLASHTIRISH
DOI:
https://doi.org/10.5281/zenodo.21021578Keywords:
tijorat banki, moliyaviy barqarorlik, kompleks indikatorlar tizimi, kapital yetarliligi, likvidlik, aktivlar sifati, ROA, ROE, Hamkorbank ATBAbstract
Mazkur maqolada tijorat banklarining moliyaviy barqarorligini kompleks indikatorlar tizimi asosida baholash metodologiyasini takomillashtirish masalalari tadqiq etilgan. Banklar moliyaviy barqarorligini baholashning amaldagi usullari tahlil qilinib, ularning afzalliklari va cheklovlari aniqlangan. Tadqiqotda kapital yetarliligi, likvidlik, aktivlar sifati, aktivlar rentabelligi (ROA), xususiy kapital rentabelligi (ROE) hamda sof foyda o‘sish sur’atini o‘z ichiga olgan kompleks indikatorlar tizimi taklif etilgan. Taklif etilgan metodologiya Hamkorbank ATBning 2024–2025-yillardagi moliyaviy ko‘rsatkichlari misolida amaliy jihatdan baholanishi nazarda tutilgan. Tadqiqot natijalari tijorat banklarida moliyaviy barqarorlikni baholashning ilmiy-uslubiy asoslarini takomillashtirish hamda boshqaruv qarorlarining samaradorligini oshirishga xizmat qiladi
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