AKTIVLAR SIFATIGA TA’SIR ETUVCHI MAKROIQTISODIY VA INSTITUTSIONAL OMILLARNING TAHLILI
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https://doi.org/10.5281/zenodo.18300431##semicolon##
kredit riski, aktivlar sifati, muammoli kreditlar, NPL, kapital yetarliligi, CAR, rentabellik, ROA, ECL, makroiqtisodiy omillar, bank barqarorligi##article.abstract##
Maqolada kredit risklari va muammoli kreditlar (NPL) dinamikasiga ta’sir etuvchi bank ichki omillari
hamda makroiqtisodiy ko‘rsatkichlar (YAIM, inflyatsiya) tahlil qilinadi. 2015–2024-yillardagi ma’lumotlar asosida NPL
determinantlari (CAR, ROA, ECL, kredit o‘sishi) baholanadi. Natijalar aktivlar sifatini prudensial va proaktiv boshqarish
zarurligini ko‘rsatadi.
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