COMMERCE BANKS ASSETS PROFITABILITY INCREASE THEORETICAL ASPECTS
DOI:
https://doi.org/10.5281/zenodo.21920695Abstract
This scientific article examines the issues of increasing the profitability of commercial bank
assets. The study analyzes the effective use of bank assets, their income-generating capacity, and the main
factors affecting asset profitability. In particular, the impact of loan portfolio quality, the level of problem loans,
capital adequacy, operational efficiency, income diversification, and the introduction of digital technologies on
bank profitability is examined.
In evaluating banking efficiency, return on assets (ROA) is considered one of the key indicators. Accordingly,
scientific approaches aimed at identifying the internal and external factors affecting ROA were analyzed. Based
on the results of the analysis, practical recommendations were developed for increasing the profitability of
commercial bank assets through optimizing the asset structure, effectively managing credit risks, expanding
non-interest income sources, and accelerating digital transformation processes.
The conclusions and recommendations presented in the article can contribute to strengthening the financial
stability of commercial banks, improving the efficiency of asset utilization, and enhancing the competitiveness
of the banking system.
Keywords
commercial bank, bank assets, asset profitability, ROA, bank efficiency, loan portfolio, problem loans, capital adequacy, digital transformation, income diversification, risk managementReferences
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