Prospects for Improving the Efficiency of Commercial Banks' Loan Portfolio in The Modern Economy

The loan portfolio constitutes the largest and most significant component of a commercial bank's assets. Its quality directly influences the financial stability, profitability, and overall competitiveness of a banking institution. This study explores the current challenges in credit management and identifies strategic prospects for enhancing portfolio efficiency. By analyzing credit risk mitigation techniques and the integration of Artificial Intelligence (AI) in scoring models, the paper provides a roadmap for banks to optimize their lending operations. The findings emphasize that digital transformation and proactive risk monitoring are vital for maintaining a healthy loan-to-asset ratio.

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