STRATEGIES FOR OPTIMIZING THE STRUCTURE OF COMMERCIAL BANK ASSETS AND INCREASING EFFICIENCY IN UZBEKISTAN
DOI:
https://doi.org/10.5281/zenodo.19663952Keywords:
commercial banks, bank assets, optimization, efficiency, loan portfolio, liquidity, profitability, risk management, transformation, digital bankingAbstract
This article examines the issues of optimizing the asset structure and improving the efficiency of commercial
banks in the context of the transformation of the banking system of Uzbekistan. The study analyzes the quality indicators
of bank assets, diversification of the loan portfolio, and strategic directions for improving the risk management system.
Furthermore, scientific and practical recommendations are proposed to increase return on assets (ROA) and reduce the
share of non-performing loans (NPL) through the introduction of digital technologies
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