IMPROVING THE EVALUATION OF RETAIL LENDING PRACTICES EFFICIENCY IN COMMERCIAL BANKS OF THE REPUBLIC OF UZBEKISTAN

Mamatova Sevara Ilhom Qizi

GREEN ECONOMY AND DEVELOPMENT, 2025, vol. 3

Abstract: The article examines the efficiency of retail lending in commercial banks of Uzbekistan, focusing onUzsanoatqurilishbank and Aloqabank. Statistical analysis was used to identify key factors affecting retail creditperformance, including household income, inflation, refinancing rate, deposits, and interest margins. The results showthat lending efficiency depends on effective risk management, competitive interest policies, and digital transformation inthe banking sector.

Keywords: retail lending; bank margin; deposits; refinancing rate; inflation; household income; credit efficiency (search for similar items in EconPapers)
Date: 2025
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Persistent link: https://EconPapers.repec.org/RePEc:teu:ged000:v:3:y:2025:id:7947

DOI: 10.5281/zenodo.17657407

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