Credit portfolio in commercial banks as a factor in improving asset quality and stability

Baymuratova , Zina

Муҳандислик ва Иқтисодиёт · 2026-yil

Annotatsiya

This study examines approaches to enhancing asset quality and maintaining the stability of credit portfolioswithin commercial banks. The research focuses on developing more effective credit risk management practices andlimiting the accumulation of problem loans. Using systematic and comparative analytical methods, the study identifiesthe principal factors affecting the quality of bank assets. Particular attention is given to loan portfolio diversification, morecomprehensive evaluation of borrowers, continuous credit supervision, and the application of digital tools for risk assessmentand management. The findings provide a basis for strengthening the financial resilience of commercial banks whileimproving the efficiency of their lending operations.

Maqola ma’lumotlari
MualliflarBaymuratova , Zina
JurnalМуҳандислик ва Иқтисодиёт
NashriyotПлеханов номидаги Россия иқтисодиёти университетининг Тошкент шаҳридаги филиали
ISSN3060-463X, 3060-463X
Nashr sanasi2026-09-01
Jild4
Son9
Betlar270-273
TilIngliz
Ilmiy sohaIqtisodiyot
Indeksga qo‘shilgan2026-09-12

Maqolaning asl sahifasi

Kalit so‘zlar

commercial banks, asset quality, loan portfolio, credit risk, non-performing loans, NPL, diversification, credit monitoring, financial stability, risk management.

Ilmiy soha

Iqtisodiyot

Iqtibos keltirish

APABaymuratova , Zina (2026). CREDIT PORTFOLIO IN COMMERCIAL BANKS AS A FACTOR IN IMPROVING ASSET QUALITY AND STABILITY. Муҳандислик ва Иқтисодиёт, 4(9), 270-273. https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/4229
GOST (OAK)Baymuratova , Zina CREDIT PORTFOLIO IN COMMERCIAL BANKS AS A FACTOR IN IMPROVING ASSET QUALITY AND STABILITY // Муҳандислик ва Иқтисодиёт. – 2026. – T. 4, № 9. – P. 270-273.
MLABaymuratova , Zina. “CREDIT PORTFOLIO IN COMMERCIAL BANKS AS A FACTOR IN IMPROVING ASSET QUALITY AND STABILITY.” Муҳандислик ва Иқтисодиёт, 4(9), 270-273, 2026. https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/4229
ChicagoBaymuratova , Zina. “CREDIT PORTFOLIO IN COMMERCIAL BANKS AS A FACTOR IN IMPROVING ASSET QUALITY AND STABILITY.” Муҳандислик ва Иқтисодиёт, 4(9), 270-273 (2026). https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/4229
HarvardBaymuratova , Zina (2026) ‘CREDIT PORTFOLIO IN COMMERCIAL BANKS AS A FACTOR IN IMPROVING ASSET QUALITY AND STABILITY’, Муҳандислик ва Иқтисодиёт, 4(9), 270-273. https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/4229
BibTeX
@article{baymuratovazina2026,
  title = {CREDIT PORTFOLIO IN COMMERCIAL BANKS AS A FACTOR IN IMPROVING ASSET QUALITY AND STABILITY},
  author = {Baymuratova , Zina},
  journal = {Муҳандислик ва Иқтисодиёт},
  year = {2026},
  volume = {4},
  number = {9},
  pages = {270-273},
  url = {https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/4229}
}

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