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No. 9 (2026)
Marketing

Scientific articles

TIJORAT BANKLARIDA MOLIYAVIY BOSHQARUV STRATEGIYALARINI AMALGA OSHIRISHNI TAKOMILLASHTIRISH

DOI 10.67668/mj/2026iss9/1986 Pages 366-379

Published 2026-09-07

Authors
Yormatov Ilmidin Toshmatovich a , Allaberdiyev Ismoiljon Xayotjonovich b
Affiliations
a Fergana State Technical University image/svg+xml
b Fergana State Technical University image/svg+xml
Marketing jurnali — 2026-yil sentabr, 9-son
PDF (Uzbek) Google Scholar Google Scholar

Abstract

The article examined constraints on implementing financial management strategies in commercial banks through a case study of Tenge Bank. Financial statements for 2020-2025 and Central Bank of Uzbekistan data were analysed using comparative, dynamic, structural and ratio analysis. Assets, loans, customer funds, capital and profitability were assessed. Declining customer funds and net profit, alongside a higher loan share in assets, were recorded for 2025. These changes highlighted the need to assess funding structure, credit risks and profitability jointly. Practical proposals addressed deposit diversification, asset-liability coordination, digital forecasting and data quality. Interpretation acknowledged the single-bank scope and unavailable internal management data.

Keywords

commercial bank, financial management, funding base, credit risk, liquidity, profitability, asset-liability management, digital forecasting

References

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