Innovative Approaches to Managing the Investment and Credit Capabilities of Commercial Banks

This article presents a comprehensive scientific analysis of innovative approaches to managing the investment and credit capabilities of commercial banks in the context of rapid digital transformation. The study examines digital banking technologies, artificial intelligence, Big Data analytics, blockchain platforms, and automated credit scoring systems as instruments for enhancing credit risk management, investment decision-making, and overall banking competitiveness. Comparative analysis of international banking experiences across the United States, Germany, Singapore, China, the UAE, and South Korea reveals best practices transferable to emerging economies. Drawing on primary regulatory documents, IMF, World Bank, BIS, and OECD reports, the article evaluates ongoing reforms in Uzbekistan’s banking sector and formulates strategic recommendations for improving investment and credit capabilities within a sustainable development framework.

Commercial banks, credit capability, investment management

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