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THEORETICAL FOUNDATIONS OF THE IMPACT OF ASSET QUALITY ON FINANCIAL STABILITY IN COMMERCIAL BANKS

Field of Science:Economics, Econometrics and Finance (miscellaneous)
National field of science (HAC):08.00.01 — Economic theory08.00.02 — Macroeconomics08.00.03 — Industrial economics08.00.04 — Agricultural economics08.00.05 — Service sector economics08.00.06 — Econometrics and statistics08.00.08 — Accounting, economic analysis and audit08.00.09 — World economy08.00.10 — Demography. Labor economics08.00.11 — Marketing08.00.12 — Regional economics08.00.13 — Management08.00.14 — Information systems and technologies in economics08.00.15 — Economics of entrepreneurship and small business08.00.16 — Digital economy and international digital integration08.00.17 — Tourism and hospitality08.00.07 — Finance, money circulation and credit
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Entrepreneurship and pedagogy scientific and methodical journal

Entrepreneurship and pedagogy scientific and methodical journal

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ARTICLE ANNOTATION

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This article theoretically and analytically examines the health of the loan portfolio, which is one of the important factors for the stable operation of commercial banks, and its relationship with the overall macroeconomic situation. The study highlights the fact that an increase in the share of non-performing loans (NPL) has a negative impact on the increase of reserve contributions, a decrease in capital adequacy and, ultimately, on the profitability of the bank. Based on the results of the analysis, three main practical proposals are put forward: first, improving the system for assessing borrowers using artificial intelligence and Big Data technologies; second, introducing an early warning system (EWS) aimed at early detection of the transition of loans to the problem category; third, reducing the risk of concentration by balanced distribution of credit resources across industries and customer segments. This article is of great scientific and practical importance for commercial banks, banking supervision authorities, and entities developing financial policy.

AUTHORS

Science ID: BSD-0726-0009

Tags

# konsentratsiya# bank# barqarorlik# tijorat# aktivlar# likvidlik# moliyaviy# sifati# tizimi# boshqaruvi# riski# banklari# npl# kapitali# erta# ogohlantirish# anderrayting

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Article Identifiers

ROI:

https://eroi.uz/11.187/A026-984660

DOI:

Not Available

References

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