OPTIMIZING THE BALANCE BETWEEN LIQUIDITY AND CREDIT RISKS IN ENSURING BANKING STABILITY
DOI:
https://doi.org/10.5281/zenodo.20106971Keywords:
commercial banks, credit policy, credit risk, liquidity, banking liabilities, deposits, Basel III, financial stability, credit portfolio, NPL, banking transformation.Abstract
This article provides a comprehensive analysis of the credit policy and the structure of financial liabilities
of commercial banks in the Republic of Uzbekistan under modern economic reforms. The study is based on official
statistical data from the Central Bank for 2023–2025, applying comparative analysis to examine the growth dynamics
of bank liabilities, the expansion of the deposit base, and structural changes in the credit portfolio. Particular attention
is given to optimizing the balance between liquidity and credit risks within the framework of international Basel III
standards and contemporary academic approaches. The findings contribute to strengthening the financial resource base
of the banking system and improving the risk management framework.
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