Alikulova Aziza Nurkhayotovna
independent researcher of
Tashkent State University of Economics
Tashkent, Uzbekistan
ORCID:0000-0001-8149-9878
Abstract. This article deeply analyzes the mechanisms of commercial banks’ income formation and their transformation processes in modern economic conditions. First of all, the traditional sources of bank income – interest and non-interest income, profit from investment activity and income from providing services – were analytically studied. In the context of current economic reforms, changes in the business models of banks, the impact of digital banking and fintech technologies on the revenue structure are highlighted. The article analyzes real statistical data on the example of commercial banks of Uzbekistan based on a scientific-practical approach. The structural structure of income, the dynamics of their growth, the level of diversification of income sources, and factors affecting financial stability are studied. International experience and regulatory aspects are also analyzed, and proposals and recommendations are developed on problems and promising solutions in the national banking system. The results of the research are of significant scientific and practical importance in the effective organization of decision-making processes in bank management, identification of stable sources of income and strategic directions aimed at their development. This work serves as an important methodological basis for analysts, politicians and researchers in the field of finance and banking.
Key words: financial result, loan portfolio, commercial banks, bank assets, diversification, bank income, bank expenses, financing