ASSESSING THE IMPACT OF REGIONAL BRANCH PERFORMANCE ON REVENUE GROWTH IN COMMERCIAL BANKS AND DIRECTIONS FOR ITS DEVELOPMENT

The thesis assessed how the regional service network of Uzbekistan’s commercial banks contributed to revenue growth. Official Central Bank data on service points, income, and regional loans and deposits were used. Revenue growth was decomposed into network and revenue-per-point effects, and regional location quotients and deposit coverage were calculated. In 2023–2025 gross revenue rose from UZS 128.7 trillion to UZS 200.8 trillion and service points from 6,235 to 7,632. In 2024, 87% of growth came from higher revenue per point; in 2025, 91% came from network expansion. The credit and deposit base of regions outside the capital grew by 29.3% and supplied 46.8% of the total increase. A branch performance index and regional development directions were proposed.