Practical Analysis of the Asset Quality of Commercial Banks (Based on the Example of JSCB “Uzsanoatqurilishbank”)

This article examines the theoretical foundations of the nature of commercial bank asset quality, the necessity of improving it, the factors influencing it, and the impact of changes in asset quality on the operational efficiency and financial performance of banks. Furthermore, the study analyzes the state of asset quality at JSCB “Uzsanoatqurilishbank” — one of the largest commercial banks in Uzbekistan with state ownership in its capital — over the period from 2021 to 2025. Based on the findings, the article formulates relevant conclusions and proposes recommendations aimed at enhancing the bank’s operational efficiency through improvements in asset quality.