WAYS TO INCREASE REVENUES IN COMMERCIAL BANK OPERATIONS
DOI:
https://doi.org/10.5281/zenodo.17994115Keywords:
commercial banks, revenue growth, interest income, non-interest income, interest margin, credit portfolio quality, efficiency of banking operations, service diversification, digital banking services, capital market, asset and liability management, financial stability, risk managementAbstract
This article provides a systematic analysis of the mechanisms for forming commercial bank revenues, the
factors influencing their growth, and the role of income structure in modern banking practice. During the study, ensuring
an optimal balance between interest and non-interest income, increasing the profitability of asset and liability operations,
and optimizing credit portfolio quality and interest margins are identified as key directions for enhancing bank revenues.
In addition, the importance of service diversification, the development of digital banking services, the implementation
of effective risk management systems, and the utilization of capital market opportunities in increasing bank revenues
is highlighted. The article concludes with scientifically grounded practical recommendations aimed at ensuring the
sustainable and long-term growth of commercial bank revenues.
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