Innovation science and technologiy Volume 1 Issue 12 (2025)
MAIN FEATURES OF DIVIDEND POLICY IN COMMERCIAL BANKS
Aliyev, Gʻulomnozir
Abstract
This article provides a scientific analysis of the essence, formation mechanisms, and key features of dividendpolicy in commercial banks. The study substantiates the impact of dividend policy on banks' financial stability, capitalizationlevel, and the efficiency of lending activities. In addition, the interrelation between changing socio-economic conditions,the bank risk management system, and the volume of non-performing loans in determining dividend payments isexamined. The article analyzes existing challenges in financial decision-making during the formation of dividend policyin commercial banks, particularly issues related to maintaining a balance between profit distribution and reinvestment.Based on the research findings, the author proposes conceptual approaches and practical recommendations aimed atreducing non-performing loans, improving the quality of bank assets, and ensuring sustainable development of bankingactivities through the integration of dividend policy with strategic management
dividend, dividend policy, commercial banks, banking activity, lending activity, non-performing loans, financial decisions, bank assets, financial strategy, bank capitalization, bank risks, financial stability, strategic management, financial security of the bank
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