FOREIGN EXPERIENCES IN IMPROVING THE EFFICIENCY OF INCOME AND COSTS OF COMMERCIAL BANKS

Abstract

In this scientific article, the issues of increasing the efficiency of income and expenses in the activity of commercial banks are studied on the basis of foreign experiences. The author critically analyzed the factors affecting the financial stability and profitability of banks, studied modern financial management tools and cost optimization strategies used in developed countries.

The article analyzes the mechanisms developed in the practice of foreign banking to diversify sources of income, balance profits from active and inactive operations, reduce costs and increase operational efficiency through the effective use of digital technologies. In particular, fintech solutions, automated risk management systems, the use of outsourcing services, and the impact of electronic payment systems on revenues and expenses were studied separately.

The article also identifies how each country's institutional environment, regulatory policies, and structure of the banking system play a role in improving efficiency. The author, by analyzing foreign experience, developed practical recommendations for Uzbek commercial banks and proposed mechanisms for adapting them to the conditions of the national banking system. The results of this study serve as a scientific, theoretical and practical basis for banks to improve financial management, optimize their costs, expand sources of income, and increase overall efficiency.