Innovation science and technologiy Volume 1 Issue 12 (2025)
IMPACT OF INFLATIONARY PROCESSES ON PROBLEM LOANS
Tojiyev, Sardor
Abstract
This article analyzes the impact of inflationary processes on the problem loans portfolio of commercial banks.The study theoretically and practically highlights the relationship between inflation and the quality of the loan portfolio.Statistical data on inflation indicators and the dynamics of problem loans were obtained and practically analyzed from aspecial electronic website of the Central Bank of the Republic of Uzbekistan. It was also analyzed how the growth rateof prices in the macroeconomic environment affects the solvency of borrowers, real interest rates, and the level of risk ofbanks. At the same time, this article theoretically analyzes the direct and indirect impact of inflationary processes on theloan portfolio of commercial banks of Uzbekistan, in particular, on the share of non-performing loans. At the same time,recommendations have been developed aimed at ensuring the stability of the banking system
inflation, bad loans, real income, profitability, interest rates, loan portfolio quality, cash flow
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