Abstract
In this article, the issues of effective management of the credit portfolio of commercial banks are described and analyzed based on statistical data. The importance of priority issues such as improving the quality of the credit portfolio and risk management provided for in the 2020-2025 strategy for the reform of the banking system in the Republic of Uzbekistan is noted. an analysis of the measures taken is presented, and some recommendations are given to ensure the effective operation of the lending and withdrawal system in this area.
References
1. O‘zbekiston Respublikasi Prezidentining 2023 yil 11 sentyabrdagi “O’zbekiston-2030 Strategiyasi to’g’risida ”gi Farmoni.PF-158-son
2. Z.Mamadiyorov, M.Maxmudova, M.Kurbonbekova. Bank ishi. Darslik. T.:-Innovatsion rivojlanish nashriyot-matbaa uyi. 2021 yil. 158 bet.
3. O‘zbekiston Respublikasi Prezidentining 2020 yil 12 maydagi “2020-2025 yillarga mo‘ljallangan O‘zbekiston Respublikasining bank tizimini isloh qilish strategiyasi to‘g‘risida”gi Farmoni.
4. www.cbu.uz - O‘zbekiston Respublikasi Markaziy banki rasmiy sayti.

This work is licensed under a Creative Commons Attribution 4.0 International License.
Copyright (c) 2026 Turayev, X.N. (Muallif)