International Practices in Commercial Bank Asset Management and Their Application in Uzbekistan

Abstract

Effective asset management is critical for the stability, profitability, and growth of commercial banks. Global banking practices demonstrate that advanced asset management strategies—including risk-based allocation, portfolio diversification, and integrated monitoring systems—can significantly enhance financial performance and reduce non-performing assets. This study examines international approaches to commercial bank asset management and evaluates their applicability in the Uzbek banking sector. Using a mixed-methods approach, including case studies of global banks and structured interviews with Uzbek banking professionals, the research identifies best practices, operational gaps, and strategies for adaptation. Findings suggest that adopting internationally proven asset management practices, combined with tailored regulatory and operational reforms, can enhance the efficiency, risk management, and profitability of banks in Uzbekistan.