STRATEGIC DIRECTIONS FOR INCREASING CAPITAL EFFICIENCY OF COMMERCIAL BANKS: DIGITALIZATION AND RISK MANAGEMENT INTEGRATION

Sadullaeva Mokhinur Aziz Kizi

GREEN ECONOMY AND DEVELOPMENT, 2026, vol. 4, issue 3

Abstract: The purpose of the three articles is to conduct an empirical analysis of the impact of digitalization of bankingservices and risk-adjusted management on capital and the author’s control index level, as well as the impact of digitalizationand risk-management integration on bank capital development and risk-adjusted profitability at the scientific level. Thestatistically significant relationship between the level of digitalization, risk indicators, and return on capital in commercialbanks of our country was proven through empirical analysis of the problem.

Keywords: commercial banks; bank capital; capital efficiency; risk management; return on capital; digitalization; risk management; ROE; ROA; diversification; reserve (search for similar items in EconPapers)
Date: 2026
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Persistent link: https://EconPapers.repec.org/RePEc:teu:ged000:v:4:y:2026:i:3:id:9513

DOI: 10.5281/zenodo.18937145

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