Abstract
The problem of collectability of loans in commercial banks exists in the banking industry of many developing countries. In the Republic of Uzbekistan, since the early years of independence, commercial banks have been experiencing many issues concerning bad and/or doubtful debts. These types of loans appeared because of either poor and inaccurate collateral assessment or bad credit portfolio management. However the share of bad and doubtful debts in state owned banks is higher than private commercial banks. This paper studies the origin of the issue related to bad debts and answers why state owned banks have had an upward trend in the amount of those debts for the last 5 years. In addition, it develops the ways of addressing those issues.
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