TIJORAT BANKLARI MOLIYAVIY NATIJALARINING SHAKLLANISH TENDENSIYALARI
DOI:
https://doi.org/10.5281/zenodo.23637100Abstract
Maqolada O‘zbekiston tijorat banklari moliyaviy natijalarining 2020–2025-yillardagi shakllanishi Markaziy bank statistikasi asosida tahlil qilingan. Daromad manbalarining nisbati, soliq to‘langunga qadar foyda o‘zgarishiga ta’sir etuvchi omillar hamda zaxira ajratmalarining yil davomida taqsimlanishi o‘rganilgan. Mazkur davrda jami daromadlar 4,1 barobar, sof foyda esa 2,7 barobar oshgan. Foizli marjaning sof operatsion daromaddagi (foizsiz xarajatlar chegirilgan yalpi operatsion daromaddagi) ulushi 62,9 foizdan 45,6 foizga pasaygan. Zaxiralargacha foydaning 51–78 foizi zaxira ajratmalariga yo‘naltirilgan. Foydaning 2021 va 2024-yillardagi pasayishi jami zaxira ajratmalarining mos ravishda 5,3 va 10,3 trln so‘mga ko‘payishi bilan birga kechgan. Olti yilning beshtasida kredit va lizing bo‘yicha ajratmalarning eng katta ulushi I chorakka to‘g‘ri kelgan. Yil davomida ajratmalar va sof foizsiz daromad bir yo‘nalishda o‘zgargan (korrelyatsiya koeffitsiyenti 0,75). Shu sababli har ikkala ko‘rsatkichda ham tiklangan zaxiralar sof foizsiz daromadda aks etgan bo‘lishi mumkinligini hisobga olish lozim. Tadqiqot natijalari asosida takliflar ishlab chiqilgan.Keywords
tijorat banklari, moliyaviy natija, foizli marja, foizsiz daromadlar, zaxira ajratmalari, operatsion xarajatlar, sof foyda, omilli tahlilReferences
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