Issues of Improving the Efficiency of the Credit Portfolio in the Transformation Process

This article examines the issues of improving the efficiency of credit portfolio management in commercial banks during the transformation process. Institutional reforms being implemented in the banking system, the introduction of digital technologies, the improvement of credit risk assessment methods, and the reduction of the share of non-performing loans are analyzed as important factors in ensuring the stability of the credit portfolio. In addition, the article substantiates ways to improve the financial stability of commercial banks through diversification of the credit portfolio structure, in-depth assessment of customers’ solvency, effective use of scoring systems, and development of monitoring mechanisms. As a result of the study, it was determined that, under transformation conditions, it is necessary to ensure the integration of a risk-oriented approach, modern analytical tools, and prudential requirements in credit portfolio management.