IMPROVING THE EFFICIENCY OF CREDIT RESOURCE ALLOCATION IN COMMERCIAL BANKS
DOI:
https://doi.org/10.5281/zenodo.23178794Abstract
This thesis examines the efficiency of credit resource allocation in commercial banks. Based on official data from the Central Bank of the Republic of Uzbekistan for July 2025 and July 2026, the study analyzes changes in credit portfolios, deposits, capital, liquidity, and the regional distribution of loans. The results indicate that deposits grew faster than the credit portfolio, while lending remained relatively concentrated in Tashkent. The study highlights the importance of risk-based lending, portfolio diversification, creditworthiness assessment, and continuous monitoring in improving the efficiency of credit resource allocation.Keywords
credit resources, commercial banks, credit allocation, credit portfolio, deposits, liquidity, credit risk, diversification, banking efficiencyReferences
Basel Committee on Banking Supervision. Principles for the Management of Credit Risk [Electronic resource]. – Bank for International Settlements, 30 April 2025. – URL: https://www.bis.org/publications/202504-guidelines-principlesmanagement-credit-risk.
Central Bank of the Republic of Uzbekistan. Capital Adequacy of the Banking Sector [Electronic resource]. – Tashkent, 2026-yil, mart. 24 July 2026. – URL: https://cbu.uz/en/statistics/bankstats/4230621/.
Central Bank of the Republic of Uzbekistan. Information on Main Indicators of Banking Sector [Electronic resource]. – Tashkent, 24 July 2026. – URL: https://cbu.uz/en/statistics/bankstats/4230556/.
Central Bank of the Republic of Uzbekistan. Information on Major Indicators of Commercial Banks as of July 1, 2026 [Electronic resource]. – Tashkent, 24 July 2026. – URL: https://cbu.uz/en/statistics/bankstats/4230544/.
Central Bank of the Republic of Uzbekistan. Information on Total Loans and Total Deposits of Banking System by Regions as of July 1, 2026 [Electronic resource]. – Tashkent, 24 July 2026. – URL: https://cbu.uz/en/statistics/ bankstats/4230594/.
European Banking Authority. Guidelines on Loan Origination and Monitoring. EBA/GL/2020/06 [Electronic resource]. – 29 May 2020. – URL: Official EBA page.
Downloads
Published
Issue
Section
License
Copyright (c) 2026 MUHANDISLIK VA IQTISODIYOT
This work is licensed under a Creative Commons Attribution 4.0 International License.
