Илғор иқтисодиёт ва педагогик технологиялар Том 2 № 4 (2025) · с. 417-426
DYNAMICS OF NET INTEREST MARGIN AND EFFICIENCY ANALYSIS IN COMMERCIAL BANKS OF UZBEKISTAN
Xannayev, Sherzod, Ханнаев, Шерзод, Xannayev, Sherzod
Аннотация
This paper analyzes the dynamics of net interest margin (NIM) in commercial banks of Uzbekistan for the period 1999–2023. Net interest margin reflects the efficiency of generating income from interest-bearing assets and is an important indicator for assessing financial stability and profitability. The study examines differences between banks by ownership type, time trends, and the impact of outliers. The results indicate that foreign banks have significantly higher NIM compared to other groups, while state-owned banks demonstrate the lowest efficiency. Furthermore, since 2017, the efficiency of state-owned banks with direct government ownership has increased significantly.
net interest margincommercial banksefficiencyinterest-bearing assetsfinancial stabilityчистая процентная маржакоммерческие банкиэффективностьпроцентные активыфинансовая устойчивость
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