TIJORAT BANKLARI FAOLIYATINI RIVOJLANTIRISH STRATEGIYASINI ISHLAB CHIQISH MEXANIZMI VA TRANSFORMATSIYA NATIJADORLIGINI BAHOLASH
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https://doi.org/10.5281/zenodo.21872613##article.subject##:
tijorat banki, transformatsiya, bank strategiyasi, strategik muvofiqlashtirish, KPI, xususiy kapital, moliyaviy barqarorlik, kredit portfeli, muammoli kreditlar, raqamli transformatsiya, “Asakabank” AJ##article.abstract##
Tijorat banklari faoliyatini rivojlantirish strategiyasini ishlab chiqish mexanizmini takomillashtirish, banklardagi
transformatsiya jarayonlari natijadorligini kompleks baholash tizimi hamda kredit portfelini toifalarga ajratish uslubiyoti
tadqiq etilgan. Tadqiqotning ilmiy yangiligi uch yo‘nalishda shakllantirilgan. Birinchidan, bankning kredit, depozit, investitsiya,
risklarni boshqarish, operatsion va raqamli transformatsiya strategiyalarini yagona strategik maqsadlar hamda
samaradorlikning asosiy ko‘rsatkichlari (KPI) tizimi asosida o‘zaro muvofiqlashtirish mexanizmi ishlab chiqilgan. Ikkinchidan,
transformatsiya natijadorligini kapital barqarorligi, aktivlardan foydalanish darajasi, majburiyatlar yuklamasi, resurslar
tarkibi va operatsion natijalar bo‘yicha baholashga asoslangan besh blokli kompleks tizim takomillashtirilgan. Uchinchidan,
kredit portfelini daromadlilik, risk darajasi, ta’minot sifati va qarzdorlar segmenti bo‘yicha “ustuvor rivojlantiriladigan”,
“barqaror saqlanadigan” hamda “optimallashtiriladigan” toifalarga ajratish va kredit resurslarini shu asosda taqsimlash
uslubiyoti asoslangan. Takliflar “Asakabank” AJ amaliyotiga joriy etilgan. Natijada bankning xususiy kapitali 1 347,6 mlrd
so‘mga yoki 20,21 foizga oshgan, majburiyatlarning jami aktivlardagi ulushi 88,51 foizdan 86,20 foizga kamaygan, muammoli
kreditlar ulushi esa 4,5 foizdan 3,6 foizga tushgan. Tahlil natijalari strategik muvofiqlashtirish, transformatsiya natijadorligini
baholash tizimi va kredit portfeli segmentatsiyasi o‘rtasidagi o‘zaro bog‘liqlikni miqdoriy jihatdan tasdiqlaydi.
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