OʻZBEKISTON TIJORAT BANKLARI OPERATSION SAMARADORLIGI TAHLILI VA DINAMIKASI
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https://doi.org/10.5281/zenodo.17275577Kalit so‘zlar:
xarajat-daromad nisbati, tijorat banklari, operatsion samaradorlik, klaster tahlili, moliyaviy barqarorlik.Abstrak
Ushbu maqolada 2020–2023-yillar oraligʻida Oʻzbekiston tijorat banklarining xarajat-daromad nisbati (Cost-to-Income Ratio – CIR) tahlil qilindi. Ushbu koʻrsatkich bank operatsiyalarining samaradorligini aniqlashda muhim hisoblanib, operatsion xarajatlarning operatsion daromadlarga nisbati orqali hisoblanadi. Tadqiqotda banklar mulkchilik shakliga koʻra guruhlanib, vaqt boʻyicha tendensiyalar, ekstremal kuzatuvlar va klaster tahlili oʻtkazildi. Natijalar xususiy banklarda eng yuqori CIR qayd etilganini, davlat banklarida esa eng past darajadagi samaradorlik kuzatilganini koʻrsatdi. Shuningdek, 2022-yildan keyin barcha banklarda CIR sezilarli pasaygan, bu esa operatsion xarajatlarni samaraliroq boshqarish natijasi hisoblanadi.
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