Growth of Retail Lending: Risks and Opportunities for Banks
Sherali AkbarovTashkent State University of Economics Assistant of the Department of General Economic Disciplines
Open MINDrepository2026
ABI
Abstract
The article examines current trends in the growth of retail lending, as well as the main risks and opportunities arising for commercial banks. It analyzes macroeconomic and institutional factors influencing the expansion of the retail loan portfolio, including the digitalization of banking services, changes in consumer behavior, and regulatory policy. Particular attention is paid to credit risks, the risks of non-performing loans, and opportunities for increasing bank profitability.
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