IMPROVING CREDIT PORTFOLIO MANAGEMENT IN COMMERCIAL BANKS

Authors

  • Nuriddinov Abduvohid Vapoevich Banking and Finance Academy of the Republic of Uzbekistan Department of Business Administration 2nd year Master

DOI:

https://doi.org/10.17605/

Keywords:

credit portfolio, commercial banks, credit risk management

Abstract

Effective credit portfolio management is a critical component of banking stability and financial sustainability. Commercial banks face increasing challenges related to credit risk, loan diversification, and portfolio performance in a rapidly changing financial environment. The purpose of this study is to analyze the current practices of credit portfolio management in commercial banks and propose methods for improving its effectiveness. The research employs analytical, comparative, and statistical methods to evaluate credit portfolio performance and identify risk factors. The results show that diversification, risk assessment models, and digital credit monitoring systems significantly improve the quality of credit portfolios. The study concludes that the implementation of advanced risk management tools and regulatory compliance mechanisms contributes to more sustainable banking operations

References

1. Mishkin, F. (2018). The Economics of Money, Banking, and Financial Markets. Pearson Education.

2. Saunders, A., & Allen, L. (2019). Credit Risk Management in Banking. Wiley Finance.

3. Basel Committee on Banking Supervision. (2017). Basel III: Finalising Post-Crisis Reforms.

4. Rose, P., & Hudgins, S. (2013). Bank Management and Financial Services. McGraw Hill.

5. Sinkey, J. (2016). Commercial Bank Financial Management. Prentice Hall.

Downloads

Published

2026-05-08

Issue

Vol. 7 No. 05 (2026): EJHEA

Section

Articles

License

Creative Commons License

This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.