THE IMPACT OF MACROECONOMIC FACTORS ON THE STRUCTURE OF THE CREDIT PORTFOLIO
Keywords:
Credit portfolio, macroeconomic factors, Uzbekistan, dedollarization, inflation, banking sector, credit structure, financial stability.Abstract
This chapter analyzes the impact of macroeconomic factors on the structure of the credit portfolio of commercial banks in the Republic of Uzbekistan. The study covers theoretical aspects and empirical data, demonstrating the relationship between macroeconomic indicators (inflation, dedollarization, interest rates, GDP growth) and the dynamics of the credit portfolio across sectors and currencies. The analysis of credit segmentation (individuals, legal entities, and specific industries) revealed their alignment with the country's strategic priorities. The results indicate a significant impact of government policy, inflationary expectations, and dedollarization on the formation and quality of the portfolio, highlighting the need for adaptive management in a developing economy.
