Keywords
How to Cite
Abstract
This article examines the impact of non-performing loans (NPLs) in commercial banks of Uzbekistan on the national economy. The study analyzes the quality of banks’ loan portfolios, the dynamics of non-performing loans, and their relationship with financial stability and economic growth. Based on official statistical data and international experience, the paper assesses the influence of NPLs on lending activity, investment processes, and the stability of the banking system. The findings provide practical insights for reducing non-performing loans and improving credit risk management mechanisms in commercial banks.
References
[1] Sh.Sh. Shodmonov, R.X. Alimuhamedov. Bank risklarini boshqarish. O‘quv qo‘llanma. – T.: Fan va texnologiya, 2018. – 288 b.
[2] Basel Committee on Banking Supervision. Global regulatory framework for more resilient banks and banking systems. – Basel: BIS, 2011. – 69 p.
[3] Basel Committee on Banking Supervision. Guidelines on credit risk and accounting for expected credit losses. – Basel: BIS, 2015. – 50 p.
[4] International Monetary Fund. Global Financial Stability Report. – Washington, D.C.: IMF, 2024. – 182 p.
[5] World Bank. Nonperforming Loans in Emerging Economies: Causes and Policy Responses. – Washington, D.C.: World Bank, 2020. – 156 p.
[6] Frederic S. Mishkin. The Economics of Money, Banking and Financial Markets. – New York: Pearson, 2019. – 720 p.
[7] Joseph F. Sinkey Jr. Commercial Bank Financial Management in the Financial-Services Industry. – Boston: McGraw-Hill, 2017. – 640 p.
[8] Edward I. Altman, Edith Hotchkiss. Corporate Financial Distress and Bankruptcy. – Hoboken: Wiley, 2018. – 368 p.
[9] OECD. Banking Sector Stability and NonPerforming Loans. – Paris: OECD Publishing, 2021. – 110 p.
[10] O‘zbekiston Respublikasi Markaziy banki. Tijorat banklari faoliyati bo‘yicha statistik byulleten. – T., 2024. – 120 b.
This work is licensed under a Creative Commons Attribution 4.0 International License.
Copyright (c) 2026 Innovation economy