“SMART BANKING – FINANCIAL STABILITY” KONSEPTUAL YONDASHUVI ASOSIDA O‘ZBEKISTON TIJORAT BANKLARI MOLIYAVIY BARQARORLIGINI KOMPLEKS BAHOLASH
Saidov Doniyor Abdullayevich
“Bank ishi” kafedrasi dotsenti
Toshkent davlat iqtisodiyot universiteti
E-mail: saidovdoniyor2022@gmail.com
ORCID: 0009-0007-3605-2274
Annotatsiya. Tadqiqotning maqsadi “Smart Banking – Financial Stability” konseptual modelini asoslash va banklarning raqamli ko‘lami bilan moliyaviy barqarorligi o‘rtasidagi bog‘liqlikni baholashdan iborat. Smart Banking indeksi masofaviy bank xizmatlari foydalanuvchilari, bank kartalari, elektron to‘lovlar hamda terminal va bankomatlar infratuzilmasining logarifmlangan va normallashtirilgan ko‘rsatkichlarini birlashtiradi. Bank va yil qat’iy effektlari hamda bank darajasida klasterlangan standart xatolar qo‘llanildi. Indeks 2021-yildagi 0,612 dan 2024-yilda 0,675 gacha oshgan. Ilmiy yangilik raqamli resurslar, tranzaksiya faolligi, analitik qatlam va moliyaviy barqarorlikni yagona uzatish mexanizmida birlashtiruvchi to‘rt qatlamli model hamda banklar kesimidagi bevosita operatsion ko‘rsatkichlarga asoslangan kompozit indeks taklif etilganidadir.
Kalit so‘zlar: smart banking, raqamlashtirish, tijorat banklari, moliyaviy barqarorlik, kompozit indeks, ROA, CIR, NPL, panel ma’lumotlar.
КОНЦЕПТУАЛЬНЫЙ ПОДХОД «SMART BANKING – FINANCIAL STABILITY»
К КОМПЛЕКСНОЙ ОЦЕНКЕ ФИНАНСОВОЙ УСТОЙЧИВОСТИ КОММЕРЧЕСКИХ БАНКОВ УЗБЕКИСТАНА
Саидов Дониёр Абдуллаевич
доцент кафедры «Банковское дело»,
Ташкентский государственный
экономический университет
E-mail: saidovdoniyor2022@gmail.com
ORCID: 0009-0007-3605-2274
Аннотация. Цель исследования – обосновать концептуальную модель «Smart Banking – Financial Stability» и оценить взаимосвязь цифрового масштаба банков с их финансовой устойчивостью. Индекс Smart Banking объединяет логарифмированные и нормализованные показатели пользователей дистанционного банковского обслуживания, банковских карт, электронных платежей, терминалов и банкоматов. Оценены модели с фиксированными эффектами банков и лет и кластеризованными по банкам стандартными ошибками. Среднее значение индекса выросло с 0,612 до 0,675. Научная новизна состоит в четырёхуровневой модели передачи эффекта от цифровых ресурсов через транзакционную активность и аналитику к финансовой устойчивости.
Ключевые слова: smart banking, цифровизация, коммерческие банки, финансовая устойчивость, композитный индекс, ROA, CIR, NPL, панельные данные.
COMPREHENSIVE ASSESSMENT OF COMMERCIAL BANKS’ FINANCIAL STABILITY IN UZBEKISTAN BASED ON THE “SMART BANKING – FINANCIAL STABILITY” CONCEPTUAL APPROACH
Saidov Doniyor Abdullayevich
Associate Professor, Department of Banking,
Tashkent State
University of Economics
E-mail: saidovdoniyor2022@gmail.com
ORCID: 0009-0007-3605-2274
Abstract. This study develops the “Smart Banking – Financial Stability” conceptual model and evaluates the association between banks’ digital scale and financial stability. The Smart Banking Index combines log-transformed and normalized measures of remote-banking users, bank cards, electronic payments, terminals and ATMs. Two-way fixed-effects models control for bank size and use bank-clustered standard errors. The average index increased from 0.612 in 2021 to 0.675 in 2024. The contribution is a four-layer transmission model linking digital resources, transaction activity, analytics and financial stability, together with an operational bank-level composite measure. The estimates are associations, not causal effects.
Keywords: smart banking, digitalization, commercial banks, financial stability, composite index, return on assets, cost-to-income ratio, non-performing loans, panel data.
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