The article discusses the problems related to the main areas of effective management of the loan portfolio of commercial banks, as well as improving the management of the loan portfolio of commercial banks, and has developed proposals to address them. In order to solve the above-mentioned problems, in our opinion, it is advisable to implement the following measures: planning, rational management, as well as the use of loan portfolios and loan investments helps to increase competitiveness and reduce the credit risk of commercial banks.

This article analyzes the improvement of lending processes in commercial banks and the state of financing in modern practice. The study examined the economic significance of lending mechanisms in commercial banks' operations, loan portfolio quality, credit risk management systems, and the development of digital-based lending services. It also examines ongoing reforms in the banking system, the effectiveness of modern scoring systems in loan distribution, remote banking services, and financing mechanisms

В данной статье проведен анализ кредитного портфеля государственных банков Республики Узбекистан. Проанализирована политика коммерческих банков в отношении физических лиц и кредитная политика в отношении юридических лиц. Разработаны предложения по эффективному использованию кредитных рисков и кредитных линий в коммерческих банках.

The article discusses the problems related to the main areas of effective management of the loan portfolio of commercial banks, as well as improving the management of the loan portfolio of commercial banks, and has developed proposals to address them.

This article examines the scientific and theoretical aspects of the influence of psychological factors on lending to individuals, improving the credit system in the banking and financial systems, an attractive offer of credit services, as well as the demand for credit that clearly and reliably determines the possibility of repaying the loan, and shows ways to increase it

This article analyzes the adequacy of commercial banks' deposit base, the factors affecting it, the alignment of maturities, interest rates, and volumes between bank deposits and loans, as well as the growth trends of deposits and loans. The causes of the transformation risk associated with bank deposits and credits have been examined. Furthermore, practical proposals and recommendations have been developed regarding existing problems in bank credit services and their solutions

This article discusses the problem loans (NPL) in the banking system, their characteristics, accounting and statistics, the correct calculation of reserves for them, the state of reserves created against possible losses on loans in Germany Deutsche Bank, and proposals and recommendations for improving the bank's loan portfolio.

This research examines the influence of environmental risk management (ERM) on the credit portfolio stability of commercial banks in Uzbekistan, utilising secondary data from sustainability reports, regulatory publications, and international financial institutions. The results show that banks with more advanced ERM frameworks, which include environmental screening, green lending, and sustainability governance, have lower non-performing loan (NPL) ratios and better asset quality. On the other hand, banks that don’t use ERM as much are still more vulnerable to environmental and credit risks. The study finds that integrating environmental risks into the banking system in Uzbekistan is necessary to make it more financially stable and in line with global standards for sustainable finance

The article notes the need to improve the lending activities of commercial banks based on the introduction of digital technologies in the process of assessing the creditworthiness of potential borrowers. An analysis of innovative lending models in foreign countries is presented, issues of managing credit activities and credit risks, the main directions of development of digitalization of banking activities are considered

This article examines the drivers of non-performing loans (NPLs) in Uzbekistan’s commercial banks by combining macroeconomic determinants with bank-specific factors and assesses the effectiveness of early warning systems (EWS) in mitigating the procyclicality of asset-quality deterioration. The empirical narrative relies on official Central Bank of the Republic of Uzbekistan indicators for NPLs and loan portfolios, complemented by recent empirical studies on NPL determinants in transforming banking systems. Particular attention is paid to ownership-related heterogeneity (state-owned vs. other banks), comparability issues between regulatory NPL metrics and IFRS 9-based measures, and the role of loan restructuring practices. The paper derives policy-oriented recommendations aimed at improving disclosure of asset quality, integrating IFRS 9 indicators into supervisory monitoring, and standardizing EWS triggers for timely detection of borrower credit deterioration.

This article analyzes the features of lending practices in assessing risks in commercial banks of Uzbekistan. The study examines the quality of the loan portfolio, the level of non-performing loans (NPLs), and the effectiveness of scoring and monitoring mechanisms used in credit risk assessment. The findings substantiate the need to improve risk assessment and management systems in lending processes, reduce the share of NPLs, and strengthen the financial stability of banks

This article discusses the role of the bank's credit policy in the allocation of its bank resources, the criteria for the credit policy of commercial banks and modern methods of managing problem loans. Also, the article specifically addresses the issues of the commercial bank's credit portfolio, its essence and formation.

This article analyzes the experience of the U.S. Small Business Administration (SBA) in financing small business entities through commercial banks. Based on SBA practices such as credit guarantees, interest rate regulation, business development centers, and digital infrastructure, strategic recommendations tailored to Uzbekistan’s context are proposed. These include strengthening credit guarantee systems, launching a digital guarantee portal, establishing advisory centers, regulating interest rates, and improving monitoring systems. The proposed measures aim to enhance the efficiency of small business financing mechanisms in Uzbekistan.

This article analyzes the performance of Uzbek banks during 2013-2023, focusing on the impact of credit and liquidity risks on financial stability. The results show that an increase in credit risks is a key factor reducing financial stability. Moreover, banks with higher liquid assets are found to be more stable. The study provides scientific foundations and practical recommendations for improving risk management systems in banks.

This article analyzes the sovereign credit rating of the Republic of Uzbekistan based on the methodology applied by S&P Global Ratings. The study examines macroeconomic stability, fiscal discipline, public debt dynamics, external sector indicators, and gold-foreign exchange reserves as the key factors influencing rating formation. The results of the statistical data analysis show that high economic growth rates and the significant volume of reserves support the country’s credit rating. At the same time, the high share of external debt, the deficit of the balance of payments, and global risks remain important constraining factors for rating stability.

This article explores the theoretical and practical aspects of improving non-performing loan (NPL) management systems in commercial banks, considering international practices and the specifics of Uzbekistan’s banking sector. The study analyzes macroeconomic and institutional factors influencing the rise of NPLs and evaluates the role of digitalization and artificial intelligence technologies in enhancing asset recovery and risk mitigation. Practical policy recommendations are proposed to reduce NPL levels and strengthen banking system resilience in Uzbekistan.

Commercial banks' products are continuously evolving in response to new technologies and economic changes. This article analyzes the internal and external factors that influence banking products. It highlights the key differences between traditional, innovative (digital), and green credit products, discussing their characteristics and objectives. Additionally, the article provides strategic recommendations for improving the effectiveness, competitiveness, and customer service of commercial banks’ products.

This article examines the key risks faced by banks in forming green credit portfolios and identifies effective strategies for risk management. Drawing on international experience, the study analyzes the nature of credit, climate, transition, technological, operational, market, and greenwashing risks. The findings demonstrate that green loans possess a more complex risk profile compared to traditional lending and require the implementation of environmental taxonomies, energy-efficiency certification, independent audits, and state-supported financing mechanisms. For Uzbekistan, adopting these tools can improve the quality of bank credit portfolios, reduce environmental risks, and accelerate the country’s green economic transition.

This article examines ways to enhance the participation of commercial banks in poverty reduction. It analyzes the role of banks in alleviating poverty through credit policies, financial inclusion, microloans, and financing social projects. Furthermore, the article suggests measures to strengthen the social responsibility of commercial banks and improve the accessibility of financial services based on international experience.

The article presents the problems and situations in which loans and their interest rates are provided by commercial banks of the Republic of Uzbekistan, as well as the income of the population. The essence of the current legal acts on loans and the current content is revealed.

This article examines modern methodological approaches to the comprehensive assessment of financial risks in commercial banks. It explores the integrated evaluation of credit, liquidity, market, operational, and capital risks using stress testing, scenario analysis, early warning indicators, and an integral risk index. A comprehensive model is proposed for determining a bank’s overall risk profile and improving risk management decisions.

This article explores the theoretical and practical foundations of forming accounting policy in microfinance institutions. Key elements such as accounting methods, interest income recognition, loan loss reserves, and bad debt recognition criteria are systematically analyzed. Using the examples of “IMKON FINANS”, “Vodiy Taraqqiyot”, and “Biznes Finans”, differences in accounting policies are identified, and recommendations for improvement are provided.

This article examines the issues of implementing financial technologies in the activities of commercial banks. It analyzes the areas of banking in which modern financial technologies are used. Based on the research conducted, practical proposals and scientific recommendations were developed.

Modern mechanisms for financing projects in the banking sector are a complex and multifaceted process, playing an important role in implementing innovative and effective investments in various sectors of the economy. These mechanisms are aimed not only at allocating financial resources, but also at managing risks, ensuring project sustainability, and building trust between clients and investors. Banks are radically improving the process of financing projects by widely using digital technologies, advanced credit assessment systems, collateral mechanisms, cooperation platforms, and the principles of sustainable financing in their activities.

The article develops practical recommendations to identify problematic aspects of the current system for attracting international financial resources in Uzbekistan, increase the efficiency of resource use, strengthen transparency and accountability, and improve institutional coordination.