Analysis of Key Financial Indicators Affecting the Stability Ratings of Commercial Banks
DOI:
https://doi.org/10.31150/ajebm.v8i5.3529Keywords:
rating of commercial banks, investments, liquidity, capital, national rating system, financial institutionsAbstract
This article analyses the impact of financial indicators, including liquidity, capital adequacy, profitability, asset quality and risk management, on rating indicators. Statistical and economic modelling methods are used as a methodological approach, and a practical analysis is carried out using the example of commercial banks in Uzbekistan. The study's results can be used in developing strategic recommendations for improving the efficiency of banking activities, increasing investment attractiveness, and improving sustainability ratings. This article systematically analyzes the main financial indicators that affect the stability ratings of commercial banks. Taking into account the role of the banking sector in macroeconomic stability, its role in supporting the country's economic potential and its functions in ensuring the reliability of the financial system, assessing the financial condition of commercial banks and identifying factors that directly affect their stability ratings is one of the important scientific and practical issues. The article deeply studies the main financial indicators of banks, such as asset quality, liquidity level, capitalization ratio, profitability indicators, income and expense dynamics, and loan portfolio composition. This scientific work serves to increase the financial stability of commercial banks, strengthen their reputation in the international financial arena, as well as create a reliable analytical basis for investors and regulatory authorities. At the end of the abstract, it is noted that a systematic analysis of financial indicators that form the stability rating of banks plays an important role in ensuring openness and transparency of banking activities.
Downloads
References
A. Jo‘rayev, Fundamentals of Banking, Tashkent: Iqtisod-Finance, 2020.
M. Karimov, “Criteria for Assessing Bank Stability,” Journal of Financial Research, vol. 2, no. 4, pp. 34–39, 2021.
N. Gulomava, “Capital Adequacy and Its Impact on Bank Ratings,” Bulletin of the Banking System of Uzbekistan, no. 1, pp. 45–50, 2022
Sh. Khudoyberdiev, Financial Analysis: Theory and Practice, Samarkand: SamIQTEX, 2019.
T. To‘khtayev, “Analysis of Profitability Indicators of Commercial Banks,” Economics and Innovation, vol. 5, no. 2, pp. 77–83, 2021.
O. Mamatkulov, “Factors affecting financial stability,” Journal of Banking, no. 3, pp. 59–64, 2020.
I. Usmonova, “Liquidity indicators and their impact on ratings,” Economic Bulletin of Higher Educational Institutions, no. 2, pp. 12–18, 2023.
D. Rakhmatullayev, Risk management in commercial banks, Tashkent: Economist, 2021.
Z. Yusupova, “The CAMELS system in assessing banking activities,” Banks and financial stability, no. 1, pp. 23–29, 2022.
N. Abdullayev, “The quality of bank assets and their impact on stability,” Journal of Financial Analysis, vol. 3, no. 1, pp. 41–46, 2021.
L. Makhmudova, Bank Finance and Rating Systems, Bukhara: BSU Publishing House, 2020.
S. Rashidov, “The Balance Between Profit and Risk in Commercial Banks,” Problems of Economic Stability, no. 2, pp. 67–72, 2021.
A. Kurbonov, “The Quality of Banks’ Credit Portfolios and Their Role in Ratings,” Entrepreneur and Market, no. 4, pp. 51–56, 2022.
X. Sattorova, The Competitiveness of the Banking Sector of Uzbekistan, Tashkent: Science, 2021.
J. Islamov, “The Impact of Central Bank Policy on the Rating of Commercial Banks,” Banking Practice and Policy, vol. 1, no. 3, pp. 30–35, 2023.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Kholov Nabijon Qaxramonovich
This work is licensed under a Creative Commons Attribution 4.0 International License.
