Econometary Analysis of Factors Affecting Loaning  Processes of Commercial Banks

Ruzimamatovich, Norov Akmal; Xamidullayevna, Elbusinova Umida; o’g’li, Lutfullayev Jamshid Xamidullo; Jahongir, Umirov; o’g’li, Tursunboyev Xurshid Qudrat

Econometary Analysis of Factors Affecting Loaning Processes of Commercial Banks

Authors

Ruzimamatovich, Norov Akmal

Xamidullayevna, Elbusinova Umida

o’g’li, Lutfullayev Jamshid Xamidullo

Jahongir, Umirov

o’g’li, Tursunboyev Xurshid Qudrat

Publisher

International Journals of Sciences and High Technologies

Description

This article provides an econometric analysis of lending operations, one of the main active operations of Alokabank and Agrobank, and the factors affecting its practical condition. A correlation matrix on the factors influencing the lending practice of banks has been developed, and based on the results of the regression, problems have been identified and practical suggestions and recommendations have been made.

Keywords

Loan portfolio, credit risk, diversification, bank assets, interest rates, problem loans, reserves, network limits, credit mechanism, cost-effectiveness, income