Integrated Assessment of Commercial Banks' Economic Security: Risk-Based Evidence From Uzbekistan

This study develops and critically evaluates an integrated framework for assessing the economic security of commercial banks in Uzbekistan. Going beyond conventional solvency measures, the proposed framework incorporates internal financial resilience, exposure to external environmental risks, corporate governance, regulatory compliance, and digital and operational threats. The findings suggest that composite economic security ratings can serve as effective tools for risk prioritization when supported by clearly defined indicators, sensitivity analysis, and independently validated early-warning signals.