ASSESSING RISKS IN BANKING ACTIVITIES TO ENHANCE THE EFFICIENCY OF FINANCIAL SERVICES
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https://doi.org/10.5281/zenodo.17436026##article.subject##:
banking activity, risk assessment, financial services, efficiency, credit risk, liquidity, digital technologies, financial stability, data analytics.##article.abstract##
The article explores mechanisms for improving the efficiency of banking services through comprehensive risk
assessment and management. Particular attention is given to identifying, classifying, and mitigating credit, liquidity,
operational, and market risks that affect banking performance. The study analyzes the use of modern digital technologies
such as data analytics, machine learning, and risk-scoring systems in assessing and predicting potential threats to
financial stability. The author emphasizes that effective risk management contributes not only to the profitability of banks
but also to the overall reliability and competitiveness of the financial sector. Based on international best practices and
the current state of the banking system in Uzbekistan, recommendations are proposed for optimizing the risk evaluation
process and enhancing service quality in commercial banks
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