ANALYZING THE PROFITABILITY STRUCTURE OF COMMERCIAL BANKS' ASSET PORTFOLIOS: A STRUCTURAL AND TEMPORAL ASSESSMENT
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Abstract
This article attempts a comprehensive analysis of the profitability structure within the asset portfolios of commercial banks. As a fundamental indicator of the operational efficiency of banking institutions, the profitability ratio—its temporal dynamics and influence across structural asset components—is rigorously examined. During the analysis, the principal elements constituting the balance sheet assets of commercial banks (including cash assets, loans, investments, tangible assets, and others) are evaluated from a profitability perspective to assess their variability, performance indicators, and economic significance. Based on statistical data, a dynamic analysis is conducted, leading to substantive conclusions concerning the financial sustainability and efficiency of commercial banking operations.
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References
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