Kurbonov Ilhom Jumakulovich
Independent Researcher, Tashkent State University of Economics
Tashkent, Uzbekistan. ilkhomk79@mail.ru
JEL classification: G21, G24, G33.
Abstract. In this article, the opinions of foreign and local scientists on risks in commercial banks, their causes and nature, and negative consequences were studied, analyzed, and the author’s conclusion was formed. The importance of diversification in reducing risks in banks, the need to carry it out is scientifically based, the reasons for the emergence of problem loans due to ineffective management of credit risks have been revealed.
Also, the share of loans in the assets of the banking system of our country in 2020-2024 and its negative aspects were covered, a structural analysis of the banking system’s loan portfolio was carried out, the dynamics of problem loans were analyzed, and scientific conclusions and practical recommendations were formulated.
Key words: banking risks, loan portfolio, credit risk, diversification, problem loans, reserve, unsatisfactory loans, doubtful loans, bad loans, credit provision, resource source.