BANK AKTIVLARI SAMARADORLIGINI IFODALOVCHI MOLIYAVIY-IQTISODIY KO‘RSATKICHLAR TAHLILI

Bekzod Muminov

doi:10.68549/zqa8fr27

Authors

Bekzod Muminov Toshkent davlat iqtisodiyot universiteti mustaqil izlanuvchisi Author

DOI:

https://doi.org/10.68549/zqa8fr27

Keywords:

tijorat banklari, bank aktivlari, aktivlar rentabelligi, kapital rentabelligi, sof foyda marjasi, muammoli kreditlar, likvidlik, moliyaviy barqarorlik, risklarni boshqarish.

Abstract

Maqolada tijorat banklari aktivlarining samaradorligini baholashga xizmat qiluvchi rentabellik, aktivlar sifati va likvidlik ko‘rsatkichlari tizimlashtirilgan. “Aloqabank” AJning 2021–2025-yillardagi moliyaviy natijalari va “Mikrokreditbank” ATBning ayrim hisobot sanalaridagi ko‘rsatkichlari rasmiy ma’lumotlar asosida qiyosiy tahlil qilingan. ROA, ROE va sof foyda marjasini hisoblash metodikasi aniqlashtirilib, aktivlar hajmi o‘sishi rentabellikning mutanosib oshishini kafolatlamasligi asoslangan. Ma’lumotlar davriyligi va hisoblash bazasidagi farqlar tahlil natijalarini talqin etishda alohida hisobga olingan.

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