TIJORAT BANKLARIDA KAPITAL RENTABELLIGINI OSHIRISHNING ZAMONAVIY MOLIYAVIY MEXANIZMLARI

Abstract

This thesis examines modern financial mechanisms for 
improving commercial banks’ return on equity through risk-adjusted pricing, 
economic capital allocation, RAROC and economic value added. It 
distinguishes accounting profitability from value creation after risk and capital 
costs. Selected financial figures of the Business Development Bank of 
Uzbekistan illustrate why capital growth does not necessarily imply sustainable 
profitability. A practical framework for linking product pricing, capital 
allocation and performance monitoring is proposed.