ENHANCING THE COMPETITIVENESS OF COMMERCIAL BANKS UNDER CONDITIONS OF DIGITAL TRANSFORMATION
Keywords:
Digital transformation, commercial banks, competitiveness, credit risk, non-performing loans, liquidity, capital adequacy.Abstract
This scientific thesis analyzes the impact of digital transformation processes on the competitiveness of commercial banks through the example of banking risk indicators, loan portfolio quality, non-performing loans (NPLs), capital adequacy, and liquidity indicators. The study is conducted based on official statistical data on the activities of JSCB “Turonbank” as of May 1, 2025. The results show that digital lending and online financial products have increased the mass adoption of banking services; however, rising levels of non-performing loans and growing liquidity imbalances are exerting pressure on banks’ competitiveness.
References
Turonbank JSCB. Report on Bank Risk Analysis in Relation to Capital Adequacy Requirements. 2025. pp. 3–45.
Central Bank of the Republic of Uzbekistan. Statistical Bulletin on Commercial Banking Activities. 2024. pp. 12–18.
Basel Committee on Banking Supervision. Basel III: Global Regulatory Framework. 2023. pp. 25–40.
Gozman, D., Liebenau, J. Digital Transformation in Banking. 2022. pp. 55–70.
World Bank. Digital Financial Services Report. 2023. pp. 33–48.
OECD. Competition in the Banking Sector. 2022. pp. 19–34.
BIS. Sound Practices: Implications of FinTech Developments. 2023. pp. 41–58.
IMF. Financial Stability Report. 2024. pp. 60–77.
Allen, F., Carletti, E. Credit Risk and Banking. 2021. pp. 88–102.
Demirgüç-Kunt, A. Digital Banking and Risk. 2022. pp. 14–29.
Claessens, S. Competition and Financial Stability. 2021. pp. 50–66.
Vives, X. Strategic Competition in Banking. 2020. pp. 73–90.
