EFFECTIVE USAGE OF STRATEGIC ANALYSIS AS A KEY DRIVER OF THE DEVELOPMENT OF BANKING SECTOR

Abdumalikova Busalima Abduvali qizi; Sadikova Muslima Alisher qizi

Authors

Abdumalikova Busalima Abduvali qizi 2-Year Student of Management Speciality
Sadikova Muslima Alisher qizi Senior Teacher in “Innovative Management” Department Tashkent State University of Economics

Keywords:

Joint-stock company, Trastbank, Corporate Governance, Financial Resilience, Uzbekistan Banking Sector, Debt-to-Equity Ratio, Strategic Analysis, Capital Structure.

Abstract

This research evaluates the strategic governance and financial trajectory of joint-stock companies in Uzbekistan, focusing on "Trastbank" PJSB as a primary case study from 2015 to 2024. The study examines how the integration of International Financial Reporting Standards (IFRS) and independent oversight has facilitated a transition toward a capital-fortress model, characterized by reduced leverage and enhanced solvency. Through a longitudinal analysis, the findings demonstrate that institutional autonomy and transparency have been the fundamental catalysts for sustaining high ROE/ROA profitability levels despite the inherent volatility of an emerging market. Ultimately, the paper concludes that Trastbank’s governance framework serves as a critical benchmark for the modernization of financial entities, proving that shareholder-focused management is essential for long-term institutional resilience.