This scientific article is dedicated to exploring effective methods for managing credit risks in Uzbekistan’s commercial banks, as loans constitute the primary share of bank assets, and their quality is crucial for ensuring liquidity and financial stability. The study highlights opportunities to reduce the share of non-performing loans and strengthen the stability of the banking system through diversification of the credit portfolio, stress testing, and the implementation of digital monitoring systems. The article provides practical recommendations aimed at enhancing global competitiveness and ensuring economic reliability.

Credit risk, non-performing loans, liquidity coverage ratio, capital adequacy ratio, risk appetite, risk profile, Basel III, IFRS 9, artificial intelligence, big data, financial stability.

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