Kenjayev M.G. – PhD, Associate Professor,
Department of General Economic Sciences,
Tashkent State University of Economics
Akhmadova D.A. – Student, Faculty of Economics,
National University of Uzbekistan
Abstract: In today’s era, the concepts of income of commercial banks, the formation of bank financial results, its calculation, effective analysis, and the concepts of bank profit are not fully studied, which means that this topic is relevant. The basis for ensuring the financial stability of commercial banks is its capital and the level of profitability of banking activities. In the market economy, the goal of every commercial bank is to maximize profit as a result of optimization, increasing its income and reducing its costs. The financial indicators of banks are determined through the report on the financial results, which represents the income and expenses, and the results are evaluated. We used this bank report to determine the income and expenses of commercial banks, studied the reasonable analysis of the data on their profitability level and profit, and recommended relevant proposals.
Key words: financial stability, profitability. income, expenses, bank profit, profit, lending, interest income, interest expense, operating expense, non-interest income, non-interest expense, modernization, banking and financial system