TIJORAT BANKLARIDA BOSHQARUV SAMARADORLIGINI BAHOLASH VA OSHIRISHNING ZAMONAVIY MEXANIZMLARI (“HAMKORBANK” ATB MISOLIDA)
DOI:
https://doi.org/10.5281/zenodo.22918007Abstract
Maqolada tijorat banklarida boshqaruv samaradorligini faqat yakuniy moliyaviy natijalar orqali emas, balki resurslar bazasi, operatsion xarajatlar, risklarni qoplash imkoniyati, kapital barqarorligi va rivojlanish jarayonlarini birgalikda baholash zarurati asoslangan. “Hamkorbank” ATBning 2024–2026-yillarga oid ochiq moliyaviy hisobotlari va loyiha doirasida to‘plangan amaliy materiallar asosida aktivlar, kredit portfeli, depozitlar, xususiy kapital, sof foyda, operatsion daromad va xarajatlar dinamikasi tahlil qilindi. 2025-yil birinchi yarim yilligi bilan 2026-yil birinchi yarim yilligi taqqoslanganda bank aktivlari 28,6 foizga, brutto kredit va lizing operatsiyalari 41,5 foizga, depozitlar 32,2 foizga, xususiy kapital 28,6 foizga va sof foyda 20,2 foizga oshgani aniqlandi. Shu bilan birga, operatsion xarajatlarning o‘sish sur’ati 37,7 foizni tashkil etib, operatsion xarajatlarning operatsion xarajatlardan oldingi sof daromadga nisbati 45,8 foizdan 49,9 foizga ko‘tarilgan. Tadqiqot natijasida tijorat banklari uchun “natija–resurs– risk–jarayon–rivojlanish” tamoyiliga asoslangan besh blokli boshqaruv samaradorligi indikatorlari tizimi hamda KPI- dashboard, erta ogohlantirish signallari va boshqaruv qarorlarini bog‘lovchi mexanizm taklif etildi.Keywords
tijorat banki, boshqaruv samaradorligi, KPI, operatsion samaradorlik, cost-to-income, LDR, bank kapitali, riskka asoslangan boshqaruv, raqamli boshqaruv, Hamkorbank.References
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