Илғор иқтисодиёт ва педагогик технологиялар Ҷилди 2 № 6 (2025) · Саҳифаҳои 615-624
ENVIRONMENTAL RISK MANAGEMENT AND ITS EFFECT ON CREDIT PORTFOLIO STABILITY IN COMMERCIAL BANKS
Esanov, Farrukh, Есанов, Фаррух, Esanov, Farrux
Аннотатсия
This research examines the influence of environmental risk management (ERM) on the credit portfolio stability of commercial banks in Uzbekistan, utilising secondary data from sustainability reports, regulatory publications, and international financial institutions. The results show that banks with more advanced ERM frameworks, which include environmental screening, green lending, and sustainability governance, have lower non-performing loan (NPL) ratios and better asset quality. On the other hand, banks that don’t use ERM as much are still more vulnerable to environmental and credit risks. The study finds that integrating environmental risks into the banking system in Uzbekistan is necessary to make it more financially stable and in line with global standards for sustainable finance
environmental risk managementcredit portfolio stabilitygreen financenon-performing loanssustainable bankingUzbekistanуправление экологическими рискамистабильность кредитного портфелязеленое финансированиенеработающие кредиты
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