Innovation science and technologiy Ҷилди 1 № 12 (2025)
WAYS TO INCREASE REVENUES IN COMMERCIAL BANK OPERATIONS
Ostonaqulova, Gulchehraxon
Аннотатсия
This article provides a systematic analysis of the mechanisms for forming commercial bank revenues, thefactors influencing their growth, and the role of income structure in modern banking practice. During the study, ensuringan 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 implementationof effective risk management systems, and the utilization of capital market opportunities in increasing bank revenuesis highlighted. The article concludes with scientifically grounded practical recommendations aimed at ensuring thesustainable and long-term growth of commercial bank revenues.
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 management
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