Table 1.
Selected performance indicators of commercial banks grouped by size of assets
62
billion soum
Indicator name
Total
Aktivlar miqdori bo’yicha guruhlashtirilgan tijorat banklari taqsimoti
Up to 3 trillion
soums
3 trillion soums
up to 10 trillion
soums
10 trillion soums
up to 30 trillion
soums
30 trillion sum
and above
numbe
r of
banks
amount
numbe
r of
banks
amoun
t
numbe
r of
banks
amount
numbe
r of
banks
amount
numbe
r of
banks
amount
1
2
3
4
5
6
7
8
9
10
11
Assets
Assets
31
556
746,3
10
9
606,4
7
42
400,5
8
140
450,4
6
364
289,0
Credits, total
31
390
048,9
10
5
221,9
7
20
190,0
8
92 240,0
6
272
397,0
Loans granted to
individuals
31
100
948,7
10
1
905,7
7
8 655,3
8
36 168,0
6
54 219,8
Loans granted to legal
entities
31
289
100,2
10
3
316,2
7
11
534,8
8
56 072,0
6
218
177,2
Short term loans
31
51 139,7
10
1
360,2
7
3 084,0
8
8 847,8
6
37 847,7
Long term loans
31
338
10
3
7
17
8
83 392,2
6
234
62
www.cbu.uz
549
909,3
861,7
106,0
549,3
Loans in national
currency
31
204
930,7
10
4
105,6
7
13
619,1
8
61 256,4
6
125
949,6
Loans in foreign currency
31
185
118,3
10
1
116,4
7
6 570,9
8
30 983,6
6
146
447,4
Equity and financial results
Capital, total
31
79 565,4
10
2
651,8
7
6 248,0
8
19 199,2
6
51 466,4
Capital adequacy ratio, in
percent
31
17,8
10
22,6
7
18,4
8
15,9
6
18,4
Net profit
31
9 993,4
10
182,8
7
1 486,9
8
3 478,3
6
4 845,4
Return on assets, in percent
31
2,5
10
3,2
7
5,0
8
3,7
6
1,8
Return on equity, in percent
31
13,3
10
8,2
7
27,2
8
20,1
6
9,8
Commitments
Deposits
31
216
737,5
10
5
714,5
7
30
953,9
8
70 033,0
6
110
036,1
550
If we analyze the assets of commercial banks, then the assets amount to 3
trillion. soums from 10 banks, from 3 trillion. soums up to 10 trillion soums. the
number of banks is 7, from 10 trillion. soums up to 30 trillion soums. the number of
banks is 8 and over 30 trillion. soums, the number of banks with assets was 6. The
ratio of assets to liabilities was 2.6 units.
The ratio of assets to liabilities (Asset to Liability Ratio) is an important
financial indicator used to assess the financial stability of commercial banks and
other financial institutions. This ratio expresses the share of the bank's assets in
relation to its liabilities and helps to determine how dependent the bank is on external
financing and how efficiently it uses its resources.
The calculation of the ratio of assets to liabilities is carried out by dividing the
total value of the bank's assets by the total value of its liabilities. The total value of
assets includes all financial assets, real estate ownership, interests in other companies
and other assets, while the total value of liabilities includes deposits, borrowings and
other financial liabilities to customers and creditors.
When analyzing bank assets, it is necessary to determine the following: how
much the total balance of bank assets has changed over the reporting period;
composition of assets - on which assets the bank's funds are mainly spent; the degree
of change in the composition of the bank's assets for the reporting period (analyzed
period) and the reasons for their change; liquidity of banking assets; indicators of the
effectiveness of the use of the bank's assets and their differences between the
reporting and the previous period; factors affecting the efficient use of the bank's
assets (positive and negative) and ways to improve the efficiency of use.
|
