IMPROVING THE SYSTEM OF NON-PERFORMING LOAN MANAGEMENT IN BANKS
DOI:
https://doi.org/10.60078/3060-4842-2025-vol2-iss4-pp176-183Abstract
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.
Keywords:
non-performing loans commercial banks credit risk digitalization Uzbekistan NPL artificial intelligence financial stabilityReferences
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