Abstract

This study conducts a Systematic Literature Review (SLR) following PRISMA 2020 guidelines to examine how structural reorganization influences credit growth performance in commercial banking. Searches were carried out in Scopus, Web of Science, ScienceDirect, and Google Scholar for peer‐reviewed articles published between 2010–2025 using keyword combinations related to “organizational restructuring,” “commercial banking performance,” “credit growth,” and “risk governance.” Inclusion criteria required a banking context, empirical or conceptual links to lending performance or risk, and sufficient methodological detail; studies outside the banking sector or unrelated to performance outcomes were excluded. From 264 records identified, 25 studies met eligibility after screening and quality appraisal. Thematic synthesis reveals four reinforcing mechanisms—structural realignment, human‐capital capability, business–risk coordination, and governance under macroprudential conditions—through which reorganization accelerates decision cycles, improves relationship manager productivity, and supports credit growth while maintaining portfolio quality. The review integrates these mechanisms into a conceptual model linking structural redesign to lending outcomes and proposes measurable indicators such as turnaround time (TAT), RM adoption, and NPL ratios. This study contributes by consolidating organizational design and credit governance perspectives in emerging‐market banking and offering testable propositions for future longitudinal research.