Илғор иқтисодиёт ва педагогик технологиялар 3-том 3-сан (2026) · 388-394-беттер
FACTORS AFFECTING THE CRISIS IN COMMERCIAL BANKS
Moydinov, Muhammadsardor, Мойдинов, Мухаммадсардор, Mo‘ydinov, Muhammadsardor
Аннотация
The article provides a scientific analysis of the main factors influencing the emergence of crisis situations in commercial banks. It substantiates that a banking crisis is directly related to the quality of the loan portfolio, liquidity, capital adequacy, deposit stability, interest rate risk and currency risk. Based on statistical data on the banking system of Uzbekistan for 2024-2025, the article analyzes non-performing loans, assets, deposits and capital indicators. The findings show that assessing crisis risk in commercial banks should rely not on separate indicators, but on a comprehensive risk management approach
commercial banksbanking crisisnon-performing loansliquiditycapital adequacydepositsfinancial stabilityrisk managementкоммерческие банкибанковский кризис
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