Innovation science and technologiy Volume 2 Issue 4 (2026)

STRATEGIES FOR OPTIMIZING THE STRUCTURE OF COMMERCIAL BANK ASSETS AND INCREASING EFFICIENCY IN UZBEKISTAN

Ibrohimov, Davronbek

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Abstract

This article examines the issues of optimizing the asset structure and improving the efficiency of commercialbanks in the context of the transformation of the banking system of Uzbekistan. The study analyzes the quality indicatorsof 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 theshare of non-performing loans (NPL) through the introduction of digital technologies

commercial banks, bank assets, optimization, efficiency, loan portfolio, liquidity, profitability, risk management, transformation, digital banking

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Cite

APA 7 
Ibrohimov, Davronbek (2026). STRATEGIES FOR OPTIMIZING THE STRUCTURE OF COMMERCIAL BANK ASSETS AND INCREASING EFFICIENCY IN UZBEKISTAN. Innovation science and technologiy, 2(4).
GOST R 7.0.5 
Ibrohimov, Davronbek STRATEGIES FOR OPTIMIZING THE STRUCTURE OF COMMERCIAL BANK ASSETS AND INCREASING EFFICIENCY IN UZBEKISTAN // Innovation science and technologiy. 2026. Т. 2. № 4.
BibTeX 
@article{davronbek2026,
  author  = {Ibrohimov, Davronbek},
  title   = {STRATEGIES FOR OPTIMIZING THE STRUCTURE OF COMMERCIAL BANK ASSETS AND INCREASING EFFICIENCY IN UZBEKISTAN},
  journal = {Innovation science and technologiy},
  year    = {2026},
  volume  = {2},
  number  = {4}
}
RIS 
TY  - JOUR
AU  - Ibrohimov, Davronbek
TI  - STRATEGIES FOR OPTIMIZING THE STRUCTURE OF COMMERCIAL BANK ASSETS AND INCREASING EFFICIENCY IN UZBEKISTAN
JO  - Innovation science and technologiy
PY  - 2026
VL  - 2
IS  - 4
ER  -