STRATEGIC DIRECTIONS FOR INCREASING CAPITAL EFFICIENCY OF COMMERCIAL BANKS: DIGITALIZATION AND RISK MANAGEMENT INTEGRATION

STRATEGIC DIRECTIONS FOR INCREASING CAPITAL EFFICIENCY OF COMMERCIAL BANKS: DIGITALIZATION AND RISK MANAGEMENT INTEGRATION

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  • Mokhinur Sadullaeva

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https://doi.org/10.5281/zenodo.18937145

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commercial banks, bank capital, capital efficiency, risk management, return on capital, digitalization, risk management, ROE, ROA, diversification, reserve

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The purpose of the three articles is to conduct an empirical analysis of the impact of digitalization of banking
services and risk-adjusted management on capital and the author’s control index level, as well as the impact of digitalization
and risk-management integration on bank capital development and risk-adjusted profitability at the scientific level. The
statistically significant relationship between the level of digitalization, risk indicators, and return on capital in commercial
banks of our country was proven through empirical analysis of the problem.

##submission.authorBiography##

Mokhinur Sadullaeva

PhD student of TSUE

##submission.citations##

1. Mirziyoyev Sh.M. Address of the President of the Republic of Uzbekistan to the Oliy Majlis and the People of Uzbekistan.

January 24, 2020. – www.lex.uz

2. Decree of the President of the Republic of Uzbekistan dated May 12, 2020 № DP-5992 “On the Strategy for reforming

the banking system of the Republic of Uzbekistan for 2020 — 2025”

3. Roadmap for the Implementation of the Development Strategy of New Uzbekistan for 2022-2026 in 2022 – www.lex.uz

4. Lavrushin O.I., Azizov U.U., Karaliev T.M. Bankovskoe delo. Edited by O.I. Lavrushina M.KRUNOS. 2019 g. st. 224

5. Basel Committee on Banking Supervision. «Basel III: A global regulatory framework for more resilient banks and

banking systems». Bank for International Settlements (BIS).

6. Mish’hkin, F. S. «The Economics of Money, Banking and Financial Markets». Pearson Education, 12th Edition, 2018.

7. Annual Statistical and Analytical Data of the Central Bank of the Republic of Uzbekistan (cbu.uz).

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2026-03-01

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Sadullaeva, M. (2026). STRATEGIC DIRECTIONS FOR INCREASING CAPITAL EFFICIENCY OF COMMERCIAL BANKS: DIGITALIZATION AND RISK MANAGEMENT INTEGRATION. YASHIL IQTISODIYOT VA TARAQQIYOT, 4(3). https://doi.org/10.5281/zenodo.18937145

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##issue.vol## 4 ##issue.no## 3 (2026): «Yashil iqtisodiyot va taraqqiyot» jurnali

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Articles

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