O‘ZBEKISTON RESPUBLIKASIDA XUSUSIY BANKLARINING DIVIDEND SIYOSATI TAHLILI
DOI:
https://doi.org/10.5281/zenodo.20666497Keywords:
xususiy bank, dividend siyosati, dividend payout ratio, kapital yetarliligi, Hamkorbank, Kapitalbank, sof foyda, aksiyadorlik qiymati, bank rentabelligi, korporativ boshqaruv.Abstract
Mazkur maqolada O‘zbekiston Respublikasida xususiy banklarning dividend siyosati nazariy va amaliy jihatdan tahlil qilinadi. Dividend to‘lovlari korporativ moliya nazariyasidagi signal berish, agentlik xarajatlarini kamaytirish, rezidual dividend va hayotiy sikl nazariyalari bilan bog‘liq holda yoritiladi. Empirik qismda O‘zbekiston bank tizimining 2022–2024-yillardagi hamda 2025-yil 1-sentabr holatidagi asosiy moliyaviy ko‘rsatkichlari, xususiy banklarning bank tizimidagi ulushi, shuningdek Hamkorbank va Kapitalbank misolida dividend amaliyoti ko‘rib chiqildi. Tadqiqot natijalari xususiy banklarda dividend siyosati konservativ xarakterga ega ekanini, ya’ni foydaning katta qismi kapital bazasini kengaytirish, aktivlar o‘sishini moliyalashtirish va prudensial me’yorlarni saqlashga yo‘naltirilayotganini ko‘rsatadi.References
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