Publication Details
Abstract
This article examines the impact of external factors on the loan portfolios of commercial banks. Enhancing the efficiency of commercial banks' loan portfolios is a crucial factor in ensuring economic stability and competitiveness. Improving loan portfolio efficiency not only creates opportunities for commercial banks to generate profits but also ensures optimal distribution of financial resources. To achieve this, banks need to systematically review all stages of lending. According to the model results, it was determined that all selected indicators have an impact on the interest rates of loans from JSC Uzpromstroybank. This indicates that we have correctly identified the external factors influencing the interest rates on loans from JSC Uzpromstroybank. While the influence of these factors on JSC Uzpromstroybank's loan interest rates is evident, there are differences only in the time lags of their effects.