TIJORAT BANKLARIDA STRATEGIK REJALASHTIRISHNI TAKOMILLASHTIRISH (ATB AGROBANK MISOLIDA)

Аннотация

This article analyzes the theoretical foundations of the strategic planning process in commercial banks, its importance in banking activities and its role in effective management. The stages of strategic planning - analysis of the external and internal environment, determination of mission and vision, setting strategic goals, resource allocation and monitoring mechanisms - are widely covered. International best practices, including Balanced Scorecard, risk-based planning and digital transformation approaches, are compared with the possibilities of their application in the conditions of commercial banks of Uzbekistan. According to the results of the study, improving strategic planning is an important factor in increasing the competitiveness of banks, ensuring their financial stability and improving the quality of customer service. Keywords: strategic planning, commercial banks, bank management, digital transformation, risk management, SWOT analysis, KPI, Balanced Scorecard, innovative development, financial stability.