EFFECTIVE COLLATERAL PORTFOLIO FORMATION FOR COMMERCIAL BANKS: PROBLEMS AND SOLUTIONS

Abstract

Collateral management is a pivotal aspect of commercial banking, significantly influencing a bank's risk profile and operational efficiency. This article aims to dissect the key challenges in forming and managing a collateral portfolio in commercial banks. Furthermore, it provides targeted recommendations for Uzbekistan's banking sector to navigate these challenges effectively. Our analysis is based on academic literature, statistical data, and market studies, offering a well-rounded view on the subject matter.