Improving the Efficiency of Commercial Bank Assets Through Enhancing Credit Portfolio Quality

This paper analyzes the economic relationship between credit portfolio quality and the efficiency of bank assets. Based on data from the Central Bank of Uzbekistan as of January 1 and July 1, 2026, changes in outstanding loans and non-performing loans are compared. During this period, the outstanding loan portfolio increased by 6.4%, while non-performing loans rose by 27.1%. The paper proposes the early identification of deterioration in portfolio quality, control of concentration across industries and borrower groups, and a stronger emphasis on cash-flow-based credit assessment. The recommendations are aimed at balancing loan portfolio growth with repayment quality and risk-adjusted profitability.