IMPROVING THE EVALUATION OF RETAIL LENDING PRACTICES EFFICIENCY IN COMMERCIAL BANKS OF THE REPUBLIC OF UZBEKISTAN
DOI:
https://doi.org/10.5281/zenodo.17657407Keywords:
retail lending, bank margin, deposits, refinancing rate, inflation, household income, credit efficiencyAbstract
The article examines the efficiency of retail lending in commercial banks of Uzbekistan, focusing on
Uzsanoatqurilishbank and Aloqabank. Statistical analysis was used to identify key factors affecting retail credit
performance, including household income, inflation, refinancing rate, deposits, and interest margins. The results show
that lending efficiency depends on effective risk management, competitive interest policies, and digital transformation in
the banking sector.
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