IMPROVING THE INVESTMENT DECISION-MAKING SYSTEM IN COMMERCIAL BANKS

Authors

  • Rabimkulov Sherzod Murtozaevich Tashkent State University of Economics, Doctor of Philosophy (PhD) in Economics

Keywords:

Commercial banks, investment decisions, risk management, investment policy, financial analysis, NPV, IRR, ROI, digital banking, artificial intelligence, Big Data, capital allocation, financial stability.

Abstract

This study examines the improvement of the investment decision-making system in commercial banks. Banking investment activity plays a crucial role in the efficient allocation of financial resources and the financing of the real sector of the economy. Therefore, enhancing the quality of investment decisions directly affects bank profitability, risk management efficiency, and overall financial stability. The research analyzes the main stages of the investment decision-making process, internal and external influencing factors, and existing challenges in this area. A comparative analysis of traditional and modern approaches is conducted, and based on the findings, directions for improving the system through digital technologies, artificial intelligence, and advanced risk assessment models are proposed. As a result, scientific and practical recommendations are developed to enhance the efficiency of investment decision-making in commercial banks.

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Published

2026-06-10

Issue

Vol. 53 (2026)

Section

Articles

License

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How to Cite

IMPROVING THE INVESTMENT DECISION-MAKING SYSTEM IN COMMERCIAL BANKS. (2026). British Journal of Global Ecology and Sustainable Development, 53, 5-15. https://journalzone.org/index.php/bjgesd/article/view/846