This study investigates the practical application of Business Intelligence (BI) technologies in commercial banking, with a focus on their role in improving risk management, financial analysis, and operational alignment. Using the case of JSC "Aloqabank" from 2021 to 2023, the research analyzes credit collateral trends, maturity matching of assets and liabilities, and the evolution of credit portfolio quality. The findings show that BI tools, particularly those integrated with real-time monitoring and predictive analytics, have enabled the bank to strengthen early warning systems, maintain a healthier loan structure, and improve long-term liquidity planning. Despite some fluctuations in credit quality—most notably, the rise in substandard loans in 2023—the bank’s reduction of non-performing and loss-category loans indicates enhanced risk responsiveness. The strategic implementation of BI is also reflected in the optimization of credit risk, operational efficiency, and financial planning. Ultimately, the paper concludes that BI technologies are critical for shifting from reactive to proactive risk governance, and for sustaining resilience in a data-driven banking environment.