Credit risk management and profitability of commercial banks in an emerging market: the case of Uzbekistan

Khudayberganov , Ruzmamat, Yuldoshboy , Sobirov, Fayzullaev , Nodirbek

Муҳандислик ва Иқтисодиёт · 2025-yil

Annotatsiya

This study investigates the relationship between credit risk management (CRM) and the profitability ofcommercial banks in Uzbekistan, an emerging market characterized by a rapidly evolving banking sector. Credit risk,defined as the potential for borrowers to default on their obligations, directly affects both the stability and profitabilityof banks, making its management a critical concern for banking institutions. In the context of Uzbekistan’s ongoingeconomic liberalization and alignment with international regulatory standards, effective CRM practices have becomeincreasingly important. This research examines the CRM practices of Uzbek commercial banks, their compliance withregulatory frameworks, and their impact on key profitability indicators, including Return on Assets (ROA) and Return onEquity (ROE). Employing a quantitative methodology, the study analyzes financial and credit risk data from a sample ofcommercial banks to evaluate how CRM variables such as non-performing loans, capital adequacy, risk coverage, andliquidity influence bank performance. The findings provide empirical evidence on the role of CRM in enhancing bankprofitability and offer practical insights for improving risk management strategies in the Uzbek banking sector.

Maqola ma’lumotlari
MualliflarKhudayberganov , Ruzmamat, Yuldoshboy , Sobirov, Fayzullaev , Nodirbek
JurnalМуҳандислик ва Иқтисодиёт
NashriyotПлеханов номидаги Россия иқтисодиёти университетининг Тошкент шаҳридаги филиали
ISSN3060-463X, 3060-463X
Nashr sanasi2025-11-01
Jild3
Son11
TilIngliz
Ilmiy sohaIqtisodiyot
Indeksga qo‘shilgan2026-08-26

Maqolaning asl sahifasi

Kalit so‘zlar

Commercial banks, return on assets (ROA), return on Equity (ROE), Credit Risk Management, non-performing loans (NPLs).

Ilmiy soha

Iqtisodiyot

Iqtibos keltirish

APAKhudayberganov , Ruzmamat, Yuldoshboy , Sobirov, & Fayzullaev , Nodirbek (2025). CREDIT RISK MANAGEMENT AND PROFITABILITY OF COMMERCIAL BANKS IN AN EMERGING MARKET: THE CASE OF UZBEKISTAN. Муҳандислик ва Иқтисодиёт, 3(11). https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/1412
GOST (OAK)Khudayberganov , Ruzmamat, Yuldoshboy , Sobirov, Fayzullaev , Nodirbek CREDIT RISK MANAGEMENT AND PROFITABILITY OF COMMERCIAL BANKS IN AN EMERGING MARKET: THE CASE OF UZBEKISTAN // Муҳандислик ва Иқтисодиёт. – 2025. – T. 3, № 11.
MLAKhudayberganov , Ruzmamat, Yuldoshboy , Sobirov, and Fayzullaev , Nodirbek. “CREDIT RISK MANAGEMENT AND PROFITABILITY OF COMMERCIAL BANKS IN AN EMERGING MARKET: THE CASE OF UZBEKISTAN.” Муҳандислик ва Иқтисодиёт, 3(11), 2025. https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/1412
ChicagoKhudayberganov , Ruzmamat, Yuldoshboy , Sobirov, and Fayzullaev , Nodirbek. “CREDIT RISK MANAGEMENT AND PROFITABILITY OF COMMERCIAL BANKS IN AN EMERGING MARKET: THE CASE OF UZBEKISTAN.” Муҳандислик ва Иқтисодиёт, 3(11) (2025). https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/1412
HarvardKhudayberganov , Ruzmamat, Yuldoshboy , Sobirov, and Fayzullaev , Nodirbek (2025) ‘CREDIT RISK MANAGEMENT AND PROFITABILITY OF COMMERCIAL BANKS IN AN EMERGING MARKET: THE CASE OF UZBEKISTAN’, Муҳандислик ва Иқтисодиёт, 3(11). https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/1412
BibTeX
@article{khudayberganovruzmamat2025,
  title = {CREDIT RISK MANAGEMENT AND PROFITABILITY OF COMMERCIAL BANKS IN AN EMERGING MARKET: THE CASE OF UZBEKISTAN},
  author = {Khudayberganov , Ruzmamat and Yuldoshboy , Sobirov and Fayzullaev , Nodirbek},
  journal = {Муҳандислик ва Иқтисодиёт},
  year = {2025},
  volume = {3},
  number = {11},
  url = {https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/1412}
}

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