ERGASHEV, A. SPECIFIC FEATURES OF THE TRANSFORMATION PROCESS IN OPTIMIZING THE EXPENSES OF COMMERCIAL BANKS. Central Asian Journal of Economics and Management, [S. l.], n. 4, p. 04–07, 2025. Disponível em: https://cajem-science.org/index.php/journal/article/view/142. Acesso em: 14 mar. 2026.