Improving the Methodology for Assessing the Financial Stability of Banks
DOI:
https://doi.org/10.51699/ajdes.v29i.681Keywords:
Financial stability ratio of banks, return on assets, return on capital, share of problem loans in the total amount of loans, liquidity ratioAbstract
Assessment of financial stability of banks is important for the stability of the banking system. Indicators such as capital adequacy, credit risk assessment, liquidity assessment, market risk, profit contribute to the prompt identification of risks of individual credit institutions. As a result, there are no negative consequences in the banking system. The article develops proposals for improving the methodology for assessing the financial stability of banks as a consequence of assessing the financial stability of the banking system on the basis of a summarizing ratio using data analysis for the corresponding period.
References
Decree of the President of the Republic of Uzbekistan dated May 12, 2020 No. 5992 "On the strategy of reforming the banking system of the Republic of Uzbekistan for 2020-2025.
Laeven, L., & Majnoni, G. (2003). Loan loss provisioning and economic slowdowns: Too much, too late? Journal of Financial Intermediation, 12(2), 178–197. https://doi.org/10.1016/S1042-9573(03)00016-0;
Surovneva K. Tools for assessing the stability of Russian banks, dissertations for the degree of Candidate of Economic Sciences. - Saint Petersburg, 2018;
Abdullaev A.Ya. Improvement of the mechanism for assessing the level of liquidity of commercial banks. Scientific electronic journal "Economics and innovative technologies". No. 1, January-February 2019.
Resolution No. 2693 of July 6, 2015 "On Capital Adequacy Requirements of Commercial Banks"
Resolution No. 2709 "On Requirements for the Liquidity management of Commercial banks" dated 13.08.2015
Statistical bulletins of the Central Bank of Uzbekistan for 2017, 2018, 2019, 2020, 2021, 2022 years.
https://cbu.uz/oz/statistics/bankstats/843935/
Review of the financial stability of the Central Bank of Uzbekistan for the first half of 2022, p. 27
