Prospects for Improving the Efficiency of Commercial Banks' Loan Portfolios

This article analyzes the essence of commercial banks' loan portfolios, indicators for assessing their efficiency, and directions for improving the quality of the loan portfolio. The impact of banking system reforms, methods of managing credit risks, and the introduction of digital technologies on banking activities is scientifically highlighted. In addition, practical recommendations have been developed regarding the diversification of the loan portfolio in the Uzbek banking sector, financing small businesses, and forming a sustainable credit policy.

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