MANAGEMENT OF NON-PERFORMING LOANS (NPLS) IN COMMERCIAL BANKS AND THEIR COMPARATIVE ANALYSIS (BASED ON STATE-OWNED BANKS)
Keywords:
Non-Performing Loans (NPLs), State-Owned Banks, Risk Management, Comparative Analysis, Banking Sector, Asset Quality, Financial Stability, Loan Recovery, Provision Coverage, Government Ownership, Banking Regulation, Credit Risk Management.Abstract
Non-Performing Loans (NPLs) present significant risks to the stability and profitability of commercial banks, particularly those with substantial state ownership. This study evaluates the effectiveness of NPL management strategies in state-owned banks through a comparative analysis. The findings provide actionable recommendations for enhancing risk management frameworks, offering insights to policymakers, regulators, and banking executives to strengthen financial stability and operational efficiency.
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References
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Bholat, D., & Darbyshire, R. (2016). Non-Performing Loans: Causes, Consequences, and Remedies. Bank of England.
Isakov Olmas Kuchkarovich, Forecasting NPL of Commercial Banks in Uzbekistan Using VAR Model (https://orcid.org/0000-0001-5504-5124)
