ADVANCING AN INTEGRATED STATISTICAL ASSESSMENT METHODOLOGY FOR COMMERCIAL BANKS’ DIGITAL ACTIVITIES AND CREDIT PORTFOLIO QUALITY
DOI:
https://doi.org/10.5281/zenodo.21074933Keywords:
commercial banks, digital transformation, digital banking services, credit portfolio quality, statistical assessment, integrated index, Digital Activity Index (DAI), Credit Quality Index (CQI), Integrated Banking Performance Index (IBPI), econometric analysis.Abstract
This study examines the improvement of the methodology for the integrated statistical assessment
of commercial banks’ digital activities and credit portfolio quality. A comprehensive system of statistical indicators
is developed to evaluate the level of digital transformation and the quality of credit portfolios. Based on these
indicators, a new methodological framework is proposed through the introduction of the Digital Activity Index
(DAI), the Credit Quality Index (CQI), and the Integrated Banking Performance Index (IBPI). Furthermore,
the study discusses the theoretical foundations for applying multivariate statistical and econometric methods
and substantiates the practical significance of the proposed methodology for monitoring banking performance,
ranking commercial banks, and supporting evidence-based managerial decision-making.
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