Keywords
retail lending, banking risks, financial stability, consumer loans, banking sector.
How to Cite
Sherali , A. (2026). Growth of Retail Lending: Risks and Opportunities for Banks. GLOBAL SCIENTIFIC CONFERENCE ON MULTIDISCIPLINARY RESEARCH, 1(2), 76-78. https://doi.org/10.5281/zenodo.18634241
Abstract
The article examines current trends in the growth of retail lending, as well as the main risks and opportunities arising for commercial banks. It analyzes macroeconomic and institutional factors influencing the expansion of the retail loan portfolio, including the digitalization of banking services, changes in consumer behavior, and regulatory policy. Particular attention is paid to credit risks, the risks of non-performing loans, and opportunities for increasing bank profitability.
References
1. Mishkin F. The Economics of Money, Banking and Financial Markets. – Pearson, 2022.
2. Saunders A., Cornett M. Financial Institutions Management. – McGraw-Hill, 2021.
3. Gorton G. Slapped by the Invisible Hand. – Oxford University Press, 2019.