NON-PERFORMING LOANS IN THE BANKING SECTOR OF UZBEKISTAN: A COMPARATIVE ANALYSIS OF STATE-OWNED AND NON-STATE-OWNED BANKS
DOI:
https://doi.org/10.60078/2992-877X-2026-vol4-iss5-pp311-317Abstract
This study analyzes the dynamics of non-performing loans (NPLs) in state-owned and non-state-owned banks in the banking sector of Uzbekistan using annual and quarterly data for the period 2020-2025. We studied the relationship between total loans issued by commercial banks and NPLs separately, based on the banks' ownership structure. The results indicated that state-owned banks have lower risk management efficiency and are more prone to risk.
Keywords:
loan NPLs state-owned banks non-state-owned banks COVID-19References
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