id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
ajbmeb-3194	Zafar Absamatovich Umarov; Nilufar Khikmatullayevna Sharipova	ECONOMETRIC ANALYSIS OF THE IMPROVEMENT OF CREDIT SERVICES	2025	12	.pdf	application/pdf	4452	221	42	The results of this study provide strong empirical evidence that capital adequacy, term deposit volumes, and liquidity levels play a significant role in shaping the dynamics of non-performing loans in the banking sector. While higher capital adequacy contributes to a reduction in credit risk, increased deposit volumes and excessive liquidity may, under certain conditions, lead to a rise in NPL levels.	cache/ajbmeb-3194.pdf	txt/ajbmeb-3194.txt