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August 17, 2025Open Access

Ways to Mitigate Problematic Loans in the Development of Banking Operations

AEAbsamatov Anvar ErgashevichTermez State University

Key Points

Reducing problem loans enhances banking operations and overall financial system stability, driving economic growth.
Key metrics indicate that effective credit risk management reduces problem loans, essential for banks' success.
This article examines lending strategies across various socio-economic changes, addressing key operational challenges.
Recommendations highlight the need for adaptation in banks' approaches to minimize problematic loans and enhance operations.

Abstract

This article explores the significance of banks' reliance on various factors, including active banking operations, the reduction of problem loans, adaptation to socio-economic changes, the development of new lending strategies and tools, effective credit risk management, and minimising problematic loans. Furthermore, the importance of ensuring the lending operations of commercial banks cannot be overstated, as the overall success of the country's financial system hinges on effectively addressing the existing challenges in financial decision-making and reducing problem loans. The article also offers the author's recommendations for tackling these issues.

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