АНАЛИЗ ЭФФЕКТИВНОСТИ КОММЕРЧЕСКИХ БАНКОВ УЗБЕКИСТАНА ЧЕРЕЗ ПОКАЗАТЕЛЬ ROE

Аннотация

This article focuses on analyzing the return on equity (ROE) indicator as a key measure of the efficiency of commercial banks in Uzbekistan. The study examines differences in ROE across four types of bank ownership structures for the period 1999-2023. The findings indicate that banks with indirect state ownership had the highest average ROE, whereas those with direct state ownership showed the lowest capital profitability. Private banks exhibited high volatility, suggesting a higher risk profile in their operations. Meanwhile, foreign banks demonstrated a stable level of capital efficiency, with an improving trend in recent years. This research provides insights into policies and strategies aimed at enhancing the efficiency of commercial banks in Uzbekistan. Keywords: bank efficiency, return on equity, ROE, commercial banks, financial indicators, bank management, financial analysis, Uzbekistan banks.