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Regression analysis of financial indicators of commercial banks

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Regression analysis of financial indicators of commercial banks
BI
Baxrom Ishniyazov TSUE 0009-0006-2734-8981
XE
Xurramov Eldor TSUE 0009-0004-9133-7641

Regression analysis of financial indicators of commercial banks

Regression analysis of commercial banks

Published date 02.07.2026
Journal Issue Vol. 1 No. 2 (2026) Tourism Economics, Finance and Digital Transformation
Pages 40-48
DOI 10.5281/zenodo.21126403
Section Ilmiy maqolalar
Article language uz
License https://creativecommons.org/licenses/by/4.0/

Abstract

This article presents a regression analysis of the net profit dynamics of Hamkorbank based on its financial indicators for the period 2008–2024. The study examines the main factors affecting profit, including loans issued to customers, customer deposits, interest income, interest expenses, commission income, commission expenses, loan loss provisions, and personnel expenses. The data were transformed using logarithmic methods, and correlation analysis was conducted to reduce multicollinearity. The findings provide important theoretical and practical implications for improving profit management in commercial banks.

Keywords

Hamkorbank profit dynamics regression analysis financial indicators loans interest income interest expenses correlation coefficient net profit dependent variable coefficient of determination

References

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Econometric Modeling. INTERNATIONAL JOURNAL OF HEALTH

SYSTEMS AND MEDICAL SCIENCES, 2(5), 36-39.

2. https://dictionary.tsue.uz/soz/MULTIKOLLINEARLIK

3. https://staff.tiiame.uz/storage/users/112/presentations/ncDiXejwXOeFr7UjMp9

KVNCuLjjH2oNoK75hvZzU.pdf

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Cite this Article

Ishniyazov B., Eldor X. (2026). Regression analysis of financial indicators of commercial banks. TDIU Iqtisodiyot va Innovatsiyalar Jurnali, Vol. 1 No. 2 (2026) Tourism Economics, Finance and Digital Transformation, p.. 40-48. https://doi.org/10.5281/zenodo.21126403