POSSIBILITIES OF IMPROVING THE QUALITY OF BANK ASSETS THROUGH EFFECTIVE MANAGEMENT OF PROBLEM LOANS IN BANKS

Hojibekova Zilola Shavkat kizi
Independent researcher, Tashkent State University of Economics
Tashkent, Uzbekistan. e-mail: zilola_x_sh80@mail.ru
JEL classification: G21, G24, G33.
Abstract. Despite the reforms in the banking sector and the introduction of digital technologies in recent years, improving the quality of bank assets remains a pressing problem. In particular, the composition of the loan portfolio, the share of risky assets, the level of Non-Performing Loans (NPL) and their management mechanisms are in the spotlight.
This article analyzes the concept of bank asset quality, its assessment criteria, existing problems and practical recommendations for their elimination. Also, effective approaches to improving the quality of bank assets based on national and international experience are considered.
Key words: bank assets, bank loan portfolio, problem loans, reserves, asset quality and their criteria, innovative technologies, overdue loans.