TIJORAT BANKLARIDA INQIROZGA TA’SIR ETUVCHI OMILLAR

Muhammadsardor Mo‘ydinov

doi:10.60078/3060-4842-2026-vol3-iss3-pp388-394

Authors

Muhammadsardor Moydinov

Fergana State Technical University

https://orcid.org/0000-0002-4817-9850

DOI:

https://doi.org/10.60078/3060-4842-2026-vol3-iss3-pp388-394

Abstract

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

Keywords:

commercial banks banking crisis non-performing loans liquidity capital adequacy deposits financial stability risk management

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