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Abstract
This article examines modern strategies for managing non-performing loans in commercial banks and ways to improve them. The study analyzes the dynamics of the loan portfolio and non-performing loans within the banking system of Uzbekistan, and evaluates the effectiveness of early detection of credit risks, debtor segmentation, restructuring, digital monitoring, and collection mechanisms. As of July 1, 2026, the total loan portfolio in the banking system amounted to 642.8 trillion soums, non-performing loans stood at 22.9 trillion soums, and their share accounted for 3.6%. As a result of the study, it is proposed to integrate the preventive, diagnostic, restructuring, and collection stages into a unified management system for NPLs. The author has developed a strategic mechanism for banks based on the principle of "early warning – segmentation – individual solution – monitoring – reassessment."
References
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Copyright (c) 2026 Baymuratova, Z.A. (Muallif)