THE BANK’S LOAN PORTFOLIO AND METHODS OF ITS OPTIMIZATION

Authors

  • Shukhratov Bakhoviddin Bobur ugli 3rd-year student, Samarkand Institute of Economics and Service
  • Sharipova Nigina Djurakulovna Lecturer at the Samarkand Institute of Economics and Service

Keywords:

portfolio management, financial reliability, comprehensive approach, economic conditions, credit facilities, monitoring.

Abstract

The loan portfolio represents the core asset structure of a commercial bank and plays a decisive role in determining its profitability, liquidity, and overall financial stability. Effective management and optimization of the loan portfolio enable banks to minimize credit risk, improve asset quality, and ensure sustainable long-term growth. This article provides a comprehensive analysis of the concept, structure, and characteristics of a bank’s loan portfolio, examines the key factors affecting its quality, and explores modern methods and tools for loan portfolio optimization. Special emphasis is placed on risk diversification, credit risk assessment, regulatory requirements, and the role of digital technologies in enhancing loan portfolio efficiency.

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References

Mishkin, F. S. The Economics of Money, Banking and Financial Markets. 12th ed., Pearson, 2019.

Rose, P. S., & Hudgins, S. C. Bank Management and Financial Services. 9th ed., McGraw-Hill, 2016.

Saunders, A., & Cornett, M. M. Financial Institutions Management: A Risk Management Approach. 8th ed., McGraw-Hill, 2018.

Koch, T. W., & MacDonald, S. S. Bank Management. 8th ed., Cengage Learning, 2015.

Sinkey, J. F. Commercial Bank Financial Management. 6th ed., Pearson, 2002.

Basel Committee on Banking Supervision. Principles for the Management of Credit Risk. Bank for International Settlements, 2000.

Heffernan, S. Modern Banking. John Wiley & Sons, 2005.

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Published

2025-12-28

How to Cite

Shukhratov Bakhoviddin Bobur ugli, & Sharipova Nigina Djurakulovna. (2025). THE BANK’S LOAN PORTFOLIO AND METHODS OF ITS OPTIMIZATION. International Multidisciplinary Journal for Research & Development, 12(12), 1362–1366. Retrieved from https://www.ijmrd.in/index.php/imjrd/article/view/4591

Issue

Vol. 12 No. 12 (2025): International Multidisciplinary Journal for Research & Development

Section

Articles

License

Creative Commons License

This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.