Non-performing loans (NPLs) represent a significant challenge for commercial banks worldwide, exerting pressure on profitability, liquidity, and overall financial stability. The effective management of NPLs is crucial for ensuring the resilience and sustainability of financial institutions in an increasingly complex and dynamic banking landscape. Today, ensuring the stability of commercial banks is an important task. Commercial banks face a number of difficulties and problems in lending and with to manage NPL. Improving the efficiency of the banking system is related to active participation of banks in lending to the real sector of the economy. The article presents increase in the profitability of the credit portfolio of commercial banks, the study of the causes of possible problems in the credit portfolio. Credit portfolio of commercial banks operating in the Republic of Uzbekistan and its non-performing loans (NPL) data on the share of loans is provided. Scientific proposals for optimizing the loan portfolio of commercial banks are also presented.