Publication Details
Abstract
This article analyses the impact of financial indicators, including liquidity, capital adequacy, profitability, asset quality and risk management, on rating indicators. Statistical and economic modelling methods are used as a methodological approach, and a practical analysis is carried out using the example of commercial banks in Uzbekistan. The study's results can be used in developing strategic recommendations for improving the efficiency of banking activities, increasing investment attractiveness, and improving sustainability ratings. This article systematically analyzes the main financial indicators that affect the stability ratings of commercial banks. Taking into account the role of the banking sector in macroeconomic stability, its role in supporting the country's economic potential and its functions in ensuring the reliability of the financial system, assessing the financial condition of commercial banks and identifying factors that directly affect their stability ratings is one of the important scientific and practical issues. The article deeply studies the main financial indicators of banks, such as asset quality, liquidity level, capitalization ratio, profitability indicators, income and expense dynamics, and loan portfolio composition. This scientific work serves to increase the financial stability of commercial banks, strengthen their reputation in the international financial arena, as well as create a reliable analytical basis for investors and regulatory authorities. At the end of the abstract, it is noted that a systematic analysis of financial indicators that form the stability rating of banks plays an important role in ensuring openness and transparency of banking activities.