PRUDENTIAL SUPERVISION PRACTICES IN COMMERCIAL BANKS OF UZBEKISTAN: CURRENT STATE, CHALLENGES AND SOLUTIONS

Authors

  • Abdunazarova Dilshoda Akromovna Independent Researcher, Tashkent State University of Economics

Keywords:

Prudential supervision, commercial banks, capital adequacy, liquidity, asset quality, credit risk, non-performing loans, risk-based supervision, artificial intelligence, Early Warning System, EWS, macroprudential monitoring, financial stability, monetary policy.

Abstract

This article examines the current state of prudential supervision in commercial banks of Uzbekistan, the challenges arising in the implementation of prudential requirements, and the main approaches to addressing them. Particular attention is paid to the supervision of bank capital, liquidity, asset quality, and credit risk. The study substantiates the need to transform traditional prudential monitoring into a risk-based and forward-looking supervisory framework. The research proposes an Early Warning System (EWS) model incorporating artificial intelligence elements to support the early identification of non-performing loans, liquidity shortages, and capital risks. It also proposes a macroprudential monitoring mechanism that takes into account the impact of monetary policy factors on the financial stability of commercial banks.

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Published

2026-10-08

Issue

Vol. 56 (2026)

Section

Articles

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How to Cite

PRUDENTIAL SUPERVISION PRACTICES IN COMMERCIAL BANKS OF UZBEKISTAN: CURRENT STATE, CHALLENGES AND SOLUTIONS. (2026). British Journal of Global Ecology and Sustainable Development, 56, 11-20. https://journalzone.org/index.php/bjgesd/article/view/854