This article analyzes the role of commercial banks in financing the real sector of the economy through investment loans. It examines the sectoral impact of bank loans, particularly their contribution to the development of industries such as manufacturing, agriculture, small business, and services. The author substantiates the need to increase the efficiency of long-term loans issued by commercial banks by diversifying loan portfolios, liberalizing lending conditions, and improving monitoring systems. Additionally, proposals are developed to ensure the profitability of investment projects through modern banking technologies and risk management mechanisms.

Commercial banks, investment loans, economic efficiency, financial resources, credit policy, bank monitoring, real sector, credit risk, loan portfolio.

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