The Center for Economic Research and Reforms has developed the Banking Activity Index to regularly assess the share of the private sector in banking assets, as well as the effectiveness of reforms and transformation processes in the banking sector.
This index consists of two sub-indices: financial intermediation and availability, and financial stability of banks. In its research, CEIR estimated the activity index for 27 commercial banks. All banks were divided into three groups: large banks with a state share, competitive banks and centralized banks. In the overall rating, as well as in the ratings in terms of financial intermediation and profitability, Kapital Bank took first place. In particular, the ratio of savings and term deposits to the total amount of loans in the bank increased to 82%, while the share of deposits and loans from other banks and financial institutions in total liabilities and the share of public funds in total liabilities are considered to be significantly lower than the average for banking system (3.2 and 0.14, respectively). Hamkorbank took 2nd place in the overall rating (1st place for financial accessibility, 2nd place for profitability). The bank took 3rd place in the ratings by the average number of loans issued by branches to individuals. The share of loans from the top 10 clients is low (14.3%).
Aloqabank took the 3rd place in the overall rating due to low liabilities to the government, high ratio of savings and term deposits to the total amount of loans among banks with a government stake. Tenge Bank ”,“ UzKDB Bank ”and“ Poytakht Bank ”took the last three places in the overall rating. The relatively high share of loans from the 10 largest clients of UzKDB Bank in the total loan portfolio and the low level of financing of loans through savings and term deposits led to a relatively low index for this bank. The low ratio of savings and time deposits to the total volume of loans in Tenge Bank and Poytakht Bank, which began operating in 2019, a high share of deposits and loans from other banks and financial institutions in the liabilities of Tenge Bank, contributed to their borrowing, respectively, 25th and 27th places in the ranking. Nevertheless, these banks are among the top three in terms of liquidity.
Другие новости и события
Any use (reproduction, publication, copying, reprinting, distribution, translation, broadcasting, processing and other methods of distribution) of the materials of the Investment Portal - Invest.gov.uz, without indicating the original source and a link to the Portal is strictly prohibited!