The Role of Information Technologies in Increasing the Capitalization of Commercial Banks

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This article explores the relationship between capitalization and profitability in commercial banks in Uzbekistan
by conducting a large-scale econometric analysis of a complex degree. The ways and main directions of increasing the
capitalization of banks are considered. An analysis was carried out using a number of indicators that affect both capitalization
and macroeconomic indicators in general. In the analysis, a number of specific banking and macroeconomic
indicators were selected as independent variables, which are considered necessary for econometric observation of the
dynamics of profits and capitalization of 11 commercial banks in Uzbekistan in 2010–2018. A comprehensive econometric
analysis has shown that an increase in the profits of individual commercial banks stimulates capitalization at a significant
level. In addition, special attention is paid to modern types of banking services such as the introduction of artificial intelligence
in the activities of the bank, its role, significance and impact on the profits of commercial banks. The issues of
the influence of the profits of commercial banks on the level of capitalization of banks have been studied. Because of the
study, conclusions are given regarding the topic and proposals for improving the level of capitalization of banks and its
impact on the economy of the state as a whole.