EXPERIENCES OF THE UNITED STATES AND EUROPEAN COUNTRIES IN IMPROVING THE CONCEPTUAL FRAMEWORK OF BANK ASSET EFFICIENCY IN THE PROCESS OF ECONOMIC REFORMS. E. Glob. Cong. [Internet]. 2026 Apr. 11 [cited 2026 Apr. 17];40:18-22. Available from: https://eglobalcongress.com/index.php/egc/article/view/444