Credit risks and problem loans in the case of uzbek commercial banks

Gafurova , Vaziraxon, Гафурова , Вазирахон, Gʻofurova , Vaziraxon

Илғор иқтисодиёт ва педагогик технологиялар · 2026-yil

Annotatsiya

The article assesses the level of credit risk and the dynamics of problem loans (NPL) in commercial banks of Uzbekistan based on data for 2019–2026. The study is based on secondary statistical data from the reports of the Central Bank, the International Monetary Fund (IMF) and the World Bank; the analysis used descriptive statistics, growth coefficients and comparative methods across bank groups. According to the results, from the end of 2019 to the end of 2025, bank assets increased by 3.4 times, and the net loan portfolio by 2.8 times. The NPL ratio increased from 1.5 percent in 2019 to 5.1 percent in 2021, then stabilized around 3.5–3.9 percent and amounted to 3.7 percent in September 2026. This indicator is higher in state-owned banks than in private banks. The official NPL ratio may not fully reflect the true size of the problem due to write-offs and reclassifications of loans. The article concludes with practical recommendations for reducing credit risk

Maqola ma’lumotlari
MualliflarGafurova , Vaziraxon, Гафурова , Вазирахон, Gʻofurova , Vaziraxon
JurnalИлғор иқтисодиёт ва педагогик технологиялар
NashriyotТошкент давлат иқтисодиёт университети ҳузуридаги «Ўзбекистон иқтисодиётини ривожлантиришнинг илмий асослари ва муаммолари» илмий-тадқиқот маркази
ISSN3060-4842
Nashr sanasi2026-10-27
Jild3
Son5
Betlar554-561
TilIngliz
Ilmiy sohaIqtisodiyot
DOI10.60078/3060-4842-2026-vol3-iss5-pp554-561
Indeksga qo‘shilgan2026-10-28

DOI: 10.60078/3060-4842-2026-vol3-iss5-pp554-561 · Maqolaning asl sahifasi

Kalit so‘zlar

credit risk, problem loans, NPL, commercial banks, scoring, risk management, кредитный риск, проблемные кредиты, NPL, коммерческие банки, скоринг, управление рисками, kredit riski, muammoli kreditlar, NPL, tijorat banklari, skoring, risklarni boshqarish

Ilmiy soha

Iqtisodiyot

Iqtibos keltirish

APAGafurova , Vaziraxon, Гафурова , Вазирахон, & Gʻofurova , Vaziraxon (2026). CREDIT RISKS AND PROBLEM LOANS IN THE CASE OF UZBEK COMMERCIAL BANKS. Илғор иқтисодиёт ва педагогик технологиялар, 3(5), 554-561. https://doi.org/10.60078/3060-4842-2026-vol3-iss5-pp554-561
GOST (OAK)Gafurova , Vaziraxon, Гафурова , Вазирахон, Gʻofurova , Vaziraxon CREDIT RISKS AND PROBLEM LOANS IN THE CASE OF UZBEK COMMERCIAL BANKS // Илғор иқтисодиёт ва педагогик технологиялар. – 2026. – T. 3, № 5. – P. 554-561. – DOI: 10.60078/3060-4842-2026-vol3-iss5-pp554-561.
MLAGafurova , Vaziraxon, Гафурова , Вазирахон, and Gʻofurova , Vaziraxon. “CREDIT RISKS AND PROBLEM LOANS IN THE CASE OF UZBEK COMMERCIAL BANKS.” Илғор иқтисодиёт ва педагогик технологиялар, 3(5), 554-561, 2026. https://doi.org/10.60078/3060-4842-2026-vol3-iss5-pp554-561
ChicagoGafurova , Vaziraxon, Гафурова , Вазирахон, and Gʻofurova , Vaziraxon. “CREDIT RISKS AND PROBLEM LOANS IN THE CASE OF UZBEK COMMERCIAL BANKS.” Илғор иқтисодиёт ва педагогик технологиялар, 3(5), 554-561 (2026). https://doi.org/10.60078/3060-4842-2026-vol3-iss5-pp554-561
HarvardGafurova , Vaziraxon, Гафурова , Вазирахон, and Gʻofurova , Vaziraxon (2026) ‘CREDIT RISKS AND PROBLEM LOANS IN THE CASE OF UZBEK COMMERCIAL BANKS’, Илғор иқтисодиёт ва педагогик технологиялар, 3(5), 554-561. https://doi.org/10.60078/3060-4842-2026-vol3-iss5-pp554-561
BibTeX
@article{gafurovavaziraxon2026,
  title = {CREDIT RISKS AND PROBLEM LOANS IN THE CASE OF UZBEK COMMERCIAL BANKS},
  author = {Gafurova , Vaziraxon and Гафурова , Вазирахон and Gʻofurova , Vaziraxon},
  journal = {Илғор иқтисодиёт ва педагогик технологиялар},
  year = {2026},
  volume = {3},
  number = {5},
  pages = {554-561},
  doi = {10.60078/3060-4842-2026-vol3-iss5-pp554-561},
  url = {https://doi.org/10.60078/3060-4842-2026-vol3-iss5-pp554-561}
}

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