ANALYSIS OF FINANCIAL STABILITY, ASSET GROWTH AND CREDIT PORTFOLIO OF "UZBEK INDUSTRIAL AND CONSTRUCTION BANK"

This article analyzes the development of corporate governance and the financial stability of commercial banks with state participation in the Republic of Uzbekistan in the context of ongoing economic reforms. Particular attention is given to the transformation of joint-stock companies, the reduction of the state share in the economy, and the strengthening of corporate governance mechanisms based on international standards. The study examines the dynamics of the authorized capital, ownership structure, asset growth, and credit portfolio of JSCB “Uzbek Industrial and Construction Bank” during the period 2021–2025. Statistical analysis demonstrates that despite exchange rate fluctuations affecting the dollar equivalent of capital, the nominal value of the bank’s authorized capital remained stable, ensuring compliance with regulatory requirements and maintaining financial sustainability. The research also highlights the growing role of corporate governance reforms, transparency, risk management systems, and supervisory boards in improving the efficiency of banks with state participation. The results indicate that strengthening corporate governance practices, diversifying ownership structures, and expanding private sector participation are key factors for increasing investment attractiveness and ensuring sustainable development of the banking sector in Uzbekistan.

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