TIJORAT BANKLARI KREDIT PORTFELI SIFATINI BAHOLASH

This article examines the theoretical aspects of assessing the quality of commercial banks’ loan portfolios and conducting a comprehensive analysis of credit risks. It analyzes the factors affecting loan portfolio stability, particularly the distribution of loans across economic sectors and borrower categories, as well as the share of non-performing loans. The study examines trends in the loan portfolios and non-performing loans of commercial banks operating in Uzbekistan over the period 2021-2025 and considers approaches to assessing loan portfolio quality. The research findings are aimed at facilitating the early identification of credit risks, diversifying credit resources, and improving the quality of bank assets