{"id":4524,"date":"2025-05-07T11:38:12","date_gmt":"2025-05-07T11:38:12","guid":{"rendered":"https:\/\/interfinance.tsue.uz\/?p=4524"},"modified":"2025-05-07T11:38:45","modified_gmt":"2025-05-07T11:38:45","slug":"possibilities-of-improving-the-quality-of-bank-assets-through-effective-management-of-problem-loans-in-banks","status":"publish","type":"post","link":"https:\/\/interfinance.tsue.uz\/?p=4524","title":{"rendered":"POSSIBILITIES OF IMPROVING THE QUALITY OF BANK ASSETS THROUGH EFFECTIVE MANAGEMENT OF PROBLEM LOANS IN BANKS"},"content":{"rendered":"<p>Hojibekova Zilola Shavkat kizi<br \/>\nIndependent researcher, Tashkent State University of Economics<br \/>\nTashkent, Uzbekistan. e-mail: zilola_x_sh80@mail.ru<br \/>\nJEL classification: G21, G24, G33.<br \/>\nAbstract. 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.<br \/>\nThis 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.<br \/>\nKey words: bank assets, bank loan portfolio, problem loans, reserves, asset quality and their criteria, innovative technologies, overdue loans.<\/p>\n\n\n<div data-wp-interactive=\"core\/file\" class=\"wp-block-file\"><object data-wp-bind--hidden=\"!state.hasPdfPreview\" hidden class=\"wp-block-file__embed\" data=\"https:\/\/interfinance.tsue.uz\/wp-content\/uploads\/2025\/05\/9\u0425\u043e\u0436\u0438\u0431\u0435\u043a\u043e\u0432\u0430-\u0417\u0438\u043b\u043e\u043b\u0430.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"Embed of 9+\u0425\u043e\u0436\u0438\u0431\u0435\u043a\u043e\u0432\u0430 \u0417\u0438\u043b\u043e\u043b\u0430.\"><\/object><a id=\"wp-block-file--media-20056e98-b83f-4a1f-9ebe-847ef33e67f9\" href=\"https:\/\/interfinance.tsue.uz\/wp-content\/uploads\/2025\/05\/9\u0425\u043e\u0436\u0438\u0431\u0435\u043a\u043e\u0432\u0430-\u0417\u0438\u043b\u043e\u043b\u0430.pdf\">9+\u0425\u043e\u0436\u0438\u0431\u0435\u043a\u043e\u0432\u0430 \u0417\u0438\u043b\u043e\u043b\u0430<\/a><a href=\"https:\/\/interfinance.tsue.uz\/wp-content\/uploads\/2025\/05\/9\u0425\u043e\u0436\u0438\u0431\u0435\u043a\u043e\u0432\u0430-\u0417\u0438\u043b\u043e\u043b\u0430.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-20056e98-b83f-4a1f-9ebe-847ef33e67f9\">Download<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>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 <a href=\"https:\/\/interfinance.tsue.uz\/?p=4524\" class=\"read-more\">Read More &#8230;<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[68],"tags":[],"class_list":["post-4524","post","type-post","status-publish","format-standard","hentry","category-2025-2-issue-1-6"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>POSSIBILITIES OF IMPROVING THE QUALITY OF BANK ASSETS THROUGH EFFECTIVE MANAGEMENT OF PROBLEM LOANS IN BANKS - Journal of International Finance and Accounting<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/interfinance.tsue.uz\/?p=4524\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"POSSIBILITIES OF IMPROVING THE QUALITY OF BANK ASSETS THROUGH EFFECTIVE MANAGEMENT OF PROBLEM LOANS IN BANKS - Journal of International Finance and Accounting\" \/>\n<meta property=\"og:description\" content=\"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. 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