RESOURCE ADEQUACY FOR IMPROVING CREDIT OPERATIONS OF COMMERCIAL BANKS: CURRENT TRENDS AND DEVELOPMENT PERSPECTIVES

Abstract

Credit operations represent one of the most important sources of income for commercial banks; however, they are also associated with significant credit risks that may threaten the financial stability of banking institutions. Therefore, effective credit portfolio diversification and comprehensive credit risk management have become essential elements of modern banking practice. This study examines the theoretical and practical aspects of credit portfolio diversification and its role in reducing credit risk concentration and improving the quality of bank loan portfolios.
The study is based on statistical data of the banking sector of Uzbekistan, reports of the Central Bank of the Republic of Uzbekistan, international banking standards, and scientific literature related to credit risk management. The analysis focuses on the structure and dynamics of credit portfolios by borrower categories and economic sectors, as well as the relationship between diversification levels and the stability of banking activities.