TIJORAT BANKLARIDA MAHSULOT VA XIZMATLAR NARX SIYOSATINI TAKOMILLASHTIRISH YO‘LLARI: “HAMKORBANK” ATB TAJRIBASI ASOSIDA
Аннотация
Tijorat banklarida mahsulot va xizmatlar narxini to‘g‘ri shakllantirish bankning moliyaviy barqarorligi, mijozlar ishonchi va raqobatbardoshligini ta’minlovchi muhim omillardan biridir. Bank mahsulotlari bahosi faqat foiz stavkasi yoki komissiya miqdoridan iborat emas, balki u resurs qiymati, risk darajasi, xizmat ko‘rsatish xarajatlari, bozor raqobati, mijoz segmenti va raqamli xizmatlardan foydalanish darajasi bilan bevosita bog‘liqdir. Shu sababli tijorat banklari narx siyosatini ishlab chiqishda faqat qisqa muddatli foydani emas, balki uzoq muddatli mijoz sodiqligi va barqaror daromad manbalarini ham hisobga olishi zarur.
Библиографические ссылки
Hamkorbank. (2025). 2024-yil uchun moliyaviy natijalar. Andijon: Hamkorbank ATB.
JSCB Hamkorbank. (2025). Consolidated Financial Statements and Independent Auditor’s Report for the Year Ended 31 December 2024. Andijon: Hamkorbank.
O‘zbekiston Respublikasi Markaziy banki. (2026). Milliy valyutadagi bank depozitlari va kreditlari bo‘yicha foiz stavkalari statistikasi. Toshkent: O‘zbekiston Respublikasi Markaziy banki.
FMO. (2024). Joint Stock Commercial Bank “Hamkorbank” with Participation of Foreign Capital. The Hague: Entrepreneurial Development Bank.
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Mukasekuru, Y. S. (2022). Lending Rate Practices and Financial Performance of Commercial Banks in Rwanda.
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