CREDIT PORTFOLIO IN COMMERCIAL BANKS AS A FACTOR IN IMPROVING ASSET QUALITY AND STABILITY
DOI:
https://doi.org/10.5281/zenodo.22701546Abstract
This study examines approaches to enhancing asset quality and maintaining the stability of credit portfolios
within commercial banks. The research focuses on developing more effective credit risk management practices and
limiting the accumulation of problem loans. Using systematic and comparative analytical methods, the study identifies
the principal factors affecting the quality of bank assets. Particular attention is given to loan portfolio diversification, more
comprehensive evaluation of borrowers, continuous credit supervision, and the application of digital tools for risk assessment
and management. The findings provide a basis for strengthening the financial resilience of commercial banks while
improving the efficiency of their lending operations.
Keywords
commercial banks, asset quality, loan portfolio, credit risk, non-performing loans, NPL, diversification, credit monitoring, financial stability, risk management.References
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