Ways to Improve The Bank's Performance By Reducing Problem Loans

Authors

  • Xojiyev Jaxongir Dushabayevich Independent researcher at Tashkent State University of Economics

DOI:

https://doi.org/10.31150/ajebm.v8i8.3875

Keywords:

Problem Loans, Banking, Bank Lending Activities, Financial Solutions, Financial Assets, Receivables, Lending, Non-Financial Assets, Real Assets, Cash, Banking Strategy, Bank Security, Strategic Management

Abstract

This article discusses the importance of banks' reliance on various factors, such as active banking operations, reducing problem loans, adapting to socio-economic changes, developing new lending strategies and tools, effectively managing credit risks, and reducing problematic loans. Additionally, the significance of ensuring commercial banks' lending operations is undeniable, as the success of the entire country's financial system depends on addressing existing challenges in financial decision-making and reducing problem loans. The article also presents the author's suggestions for addressing these issues.

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References

[1] Prezidentining 2020-yil 12-maydagi PF-5992-sonli Farmoni, “O‘zbekiston Respublikasi bank tizimini 2020–2025 yillarda isloh qilish strategiyasi to‘g‘risida.”

[2] D. McNaughton, Banking Institutions in Developing Countries, Washington, D.C.: IER, World Bank, 2001, p. 75.

[3] N. E. Sokolinskaya, “Assessment and Analysis of the Asset Condition of a Credit Organization,” Banking Business, no. 3, pp. 56–61, 2010.

[4] M. Malede, “Determinants of Commercial Banks’ Lending: Evidence from Ethiopian Commercial Banks,” European Journal of Business and Management, vol. 6, no. 20, pp. 109–117, 2014.

[5] F. O. Olokoyo, “Determinants of Commercial Banks’ Lending Behavior in Nigeria,” International Journal of Financial Research, vol. 2, no. 2, pp. 61–72, 2011.

[6] M. Maloba, Determinants of Agri-Lending among Financial Institutions in Kenya, Master’s Thesis, University of Cape Town, 2018.

[7] A. M. Smulov and O. A. Nurzat, “Problem Debt: Concept, Main Characteristics and Measures to Improve the Return of Problem Loans,” Finance and Credit, no. 35 (371), p. 3, 2009.

[8] V. A. Platonov and S. A. Ivanov, Banking: A Strategic Guide, Moscow: Konsolbank, 1998, p. 48.

[9] K. A. Mukhamejanov, Ways to Improve the Management of Credit Portfolio and Credit Risks in Commercial Banks, PhD abstract in Economics, Tashkent, 2010, p. 9.

[10] A. M. Smulov and O. A. Nurzat, “Problem Debt: Concept, Main Characteristics and Measures to Improve the Return of Problem Loans,” Finance and Credit, no. 35 (371), pp. 3–7, 2009.

[11] K. A. Mukhamejanov, Ways to Improve the Management of Credit Portfolio and Credit Risks in Commercial Banks, PhD Dissertation Abstract, Tashkent, 2010, p. 9.

[12] F. O. Olokoyo, “Determinants of Commercial Banks’ Lending Behavior in Nigeria,” International Journal of Financial Research, vol. 2, no. 2, pp. 61–72, 2011.

[13] M. Malede, “Determinants of Commercial Banks’ Lending: Evidence from Ethiopian Commercial Banks,” European Journal of Business and Management, vol. 6, no. 20, pp. 109–117, 2014.

[14] N. E. Sokolinskaya, “Assessment and Analysis of the Asset Condition of a Credit Organization,” Banking Business, no. 3, pp. 56–61, 2010.

[15] V. A. Platonov and S. A. Ivanov, Banking: A Strategic Guide, Moscow: Konsolbank, 1998, p. 48.

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Published

2025-08-03

How to Cite

Dushabayevich, X. J. (2025). Ways to Improve The Bank’s Performance By Reducing Problem Loans. American Journal of Economics and Business Management, 8(8), 3742–3747. https://doi.org/10.31150/ajebm.v8i8.3875

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