АНАЛИЗ ПРИБЫЛЬНОЙ ЭФФЕКТИВНОСТИ КОММЕРЧЕСКИХ БАНКОВ УЗБЕКИСТАНА

Аннотация

This article evaluates the profit efficiency of commercial banks in Uzbekistan using the Stochastic Frontier Analysis (SFA) method. The analysis is based on data from commercial banks operating in Uzbekistan between 1999 and 2023. The research findings indicate that the profit efficiency of commercial banks has increased over time but declined during the global financial crisis and the pandemic. In terms of ownership structure, state-owned banks had the highest average profit efficiency, while foreign banks, despite high volatility, achieved the best results in some years. The profit efficiency of private and joint-stock commercial banks was variable and fluctuated significantly depending on market conditions. Keywords: commercial banks, performance indicators, income, profit, assets, interest.