Karimov Shohruh Boydulla o‘g‘li
Independent Researcher, Tashkent State University of Economics
Tashkent, Uzbekistan. E-mail: shohruhkarimov51@gmail.com
ORCID:0009-0009-5675-1181
Abstract. This article provides a systematic analysis of pressing issues in the practice of bank risk assessment and management. The study focuses primarily on credit risk, highlighting internal and external factors affecting borrowers’ financial condition, the reliability of financial information, the insufficiency of legal enforcement mechanisms, and shortcomings in the frameworks for in-depth analysis and monitoring of the credit process. In addition, increasing credit portfolio concentration and the underdevelopment of diversification practices are considered key risk drivers that undermine a bank’s financial stability.
Keywords: bank risks; credit risk; loan portfolio; portfolio concentration; diversification; borrower’s financial analysis; monitoring and internal audit; classification of reserves and assets; Basel Committee, risk-appetite, liquidity risk, market risk, currency risk, financial market, mandatory insurance, personal insurance, property insurance, deposit.