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ANALYSIS OF THE STATE OF ASSETS DIVERSIFICATION IN THE
BUSINESS DEVELOPMENT BANK OF THE REPUBLIC OF
UZBEKISTAN
Abdurazzakov Abdualim Abdujabbor ugli
Independent researcher at TSUE
https://doi.org/10.5281/zenodo.15151820
Abstract:
This article analyzes the internal factors, structure of assets and
liabilities, bank innovations, material and technical base and the state of asset
diversification of the joint-stock commercial bank “Business Development Bank”.
Key words:
agriculture, financial resource, authorized capital, foreign
currency, branch, problem assets, investment.
The preservation of the priority of credit investments in the volume of
assets at the moment requires the solution of the problem of proportionality in
terms of the duration of the collection of assets and liabilities.
The provision of resources at the expense of funds attracted by the
conditions until a certain part of the loan investment is “requisitioned” can make
the current liquidity management process difficult.
Optimizing the structure of assets and liabilities, increasing the efficiency of
work in the management of risks arising from asset operations, including loans,
remain relevant.
The main credit investments of the JSCB “Business Development Bank”
were analyzed by sectors of the economy: industry, agriculture, transport and
communications, construction, trade and public catering, material and technical
support, housing and communal services, for individuals: commercial loans,
individual entrepreneurs and others, loans allocated: short, long, cotton and grain
loans, commercial loans, including consumer loans, mortgage loans, loans
allocated for investment, repaid: short, long, cotton and grain loans, commercial
loans. The amount of credit investments by industry as of January 1, 2017
amounted to 843 billion soums (Table 1).
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Table 1
Analysis of credit investments placed by JSCB “Business Development
Bank” by sectors and their repayment
N
Main indicators
2017
2018
2019
2020
2023
5
Credit investments by
economic sectors
-
Industry
843
701
670
3 514
7 593
-
Agriculture
1 176
1 637
2 929
5 739
15 125
-
Transport and
communications
61
41
33
105
86
-
Construction
37
193
28
207
135
-
Trade and catering
42
22
85
188
139
-
Material and technical
support
105
28
1 806
1 403
732
-
Housing and communal
services
0
0
47
192
263
-
Individuals
352
546
1 409
3 157
5 119
-commercial loans
327
262
765
1 389
1 028
-each family is an
entrepreneur
25
284
645
1 768
4 091
-
Others
387
205
1 743
1 360
4 094
TOTAL
3 003
3 373
8 750
15 866
32 258
6
Loans allocated
4 717
5 693
13 348
19 176
29 409
-
short
2 217
2 054
4 093
7 549
11 296
-
long
2 500
3 639
9 255
11 626
18 113
-
cotton and grain loans
2 357
3 191
6 362
8 534
9 815
-
commercial loans
2 360
2 502
6 986
10 642
19 595
including
- consumer loans
43
40
748
742
2 437
- mortgage loans
46
8
10
82
168
- investment loans
831
1 034
2 296
4 821
9 849
7
Repaid
5 322
7 971
12 060
17 794
-
short
1 787
2 607
6 774
6 991
-
long
3 535
5 364
5 287
10 803
-
cotton and grain loans
3 172
4 972
6 468
6 916
-
commercial loans
2 150
2 999
5 592
10 878
The problem loans available at the Business Development Bank (number of
clients: 162,398) were analyzed and amounted to: 10.3 billion soums in 2017, 30.3
billion soums in 2018, 33.9 billion soums in 2019, 29.0 billion soums in 2020, 137.9
billion soums in 2021, 724.4 billion soums in 2022, 1,190.5 billion soums in
January 2023, and 1,869.1 billion soums in May 2023. If we compare over the years,
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it increased by 20 billion soums in 2017-2018, by 1 billion soums in 2018-2019, by
4.9 billion soums in 2019-2020, by 108.9 billion soums in 2020-2021, by 586.5
billion soums in 2021-2022, and by 466.1 billion soums in 2022-2023. If we take
problem loans as a whole, they amounted to 679 billion soums as of 01.01.2023
and 15.7% in interest. As of 01.01.2022, they amounted to 1,145 billion soums and
25.8% in interest (Table 2).
Table 2
Analysis of problem assets of JSCB “Business Development Bank”
N
Key indicators
2017
2018
2019
2020
2021
2022
2023
01.05.2023
1
Problem assets
1.1
Problem loans (number of
clients 162,398)
10,3
30,3
33,9
29,0
137,9
724,4 1 190,5
1 869,1
- Overdue loans (158,362)
5,3
28,5
31,5
23,6
84,1
675,6 1 140,0
1 754,0
- Loans in litigation (4,036)
4,9
1,8
2,5
5,5
47,9
48,8
50,5
112,4
Extended loans (35,273 clients)
0,0
0,0
0,0
0,0
5,9
4,9
3,3
2,6
Non-performing loans - NPL
(74,449)
6,3
31,5
178,1
95
308
1 495,1 1 685,3
1 888,2
- Unsatisfactory
1,3
15,3
16,7
3
76
146,9
888,4
526,4
- Doubtful
1,4
7,5
8,0
1
65
263,7
422,0
462,3
- Hopeless
3,6
8,7
153,4
92
167
1 084,4 374,9
899,6
Share of problem loans in total
investment
0%
0,4%
2,0%
0,6%
1,2%
4,6%
3,8%
3,8%
Reserve created for loans
7,1
20,5
125,5
94
266
594
813
1 262
1.2
Balance of loan “Cotton 2018-
2019”
151,3
88,8
39,2
35,7
0,0
0,0
0,0
of which farms were liquidated
12,5
68,8
12,3
12,3
0,0
0,0
0,0
1.3
Accrued interest (16,300)
8,1
8,4
46,9
44,2
215,2
515,0 1 072,2
1 841,0
of which overdue interest
(16,377)
0,6
0,3
3,0
3,0
15,8
53,8
123,1
195,0
1.4
Settlement brokerage
commission (16,400)
2,8
9,4
4,4
7,2
11,2
68,6
249,8
407,1
1.5
Other private property of the
bank (16,700)
1,0
0,0
0,2
0,0
0,0
0,0
0,0
0,0
1.6
Overdue interest (91,500)
27,4
23,3
29,2
39,8
85,7
114,7
512,6
578,6
1.7
Credit balance of corporate
clients
815,7
591,1 1 932,2 1 760,7 1 161,4 989,1
16
528,0
19 423,0
1.8
Clusters cotton textiles
344,7
216,0
70,4
4,2
1,5
1,3
15
369,7
18 622,8
1.9
JSC “Uzdonmahsulotlari”
354,1
281,2
285,3
369,7
220,1
179,0
472,8
189,3
1.10
JSC “Uzagrokimyohimoya”
99,3
93,4
285,5
209,2
266,3
266,1
256,4
250,8
- revolving loans
0,0
49,9
54,7
0,0
0,0
0,0
0,0
0,0
1.11
JSC “Uzagroservis”
17,6
0,6
1 291,0 1 177,5 673,5
542,7
429,2
360,1
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Overdue debt (158,362): in 2017 - 5.3 billion soums, in 2018 - 28.5 billion
soums, in 2019 - 31.5 billion soums, in 2020 - 23.6 billion soums, in 2021 - 84.1
billion soums, in 2022 - 675.6 billion soums, in 2023 - 1754.0 billion soums. If we
consider the difference by years, then in 2017-2018 it was 23.2 billion soums, in
2018-2019 it increased by 3 billion soums, in 2019-2020 it decreased by 7.9
billion soums, in 2020-2021 it reached 60.5 billion soums, in 2021-2022 it
reached 591.5 billion soums, and in 2022-2023 it reached 614 billion soums.
These figures are 614 billion soums and 15.4% per annum in 2023.
Conclusion.
It should be noted that our country has a number of pressing problems in
the management of assets of commercial banks. One of these pressing problems
is the large amount of overdue debt on loans issued by commercial banks. The
deepening of the problem of overdue debt on loans led to the fact that this issue
was reflected in the Resolution of the President of the Republic of Uzbekistan No.
PR-3270 dated September 12, 2017 “On measures to further develop and increase
the stability of the banking system of the Republic”.
There is also the problem of non-return of foreign currency loans issued by
commercial banks to the real sector of the economy. Therefore, the existence of
problems associated with improving the management of assets of commercial
banks of the Republic of Uzbekistan and the need to solve them was determined
as the main objective of this article.
Used literature:
1. Official website of the Joint-Stock Commercial Bank “Agrobank”,
https://agrobank.uz
2. Official website of the Central Bank of the Republic of Uzbekistan,
https://cbu.uz/
3. National Database of Legislative Information of the Republic of Uzbekistan,
https://lex.uz/
4. Resolution of the President of the Republic of Uzbekistan No. PR-3270 dated
September 12, 2017 “On measures to further develop and increase the stability of
the banking system of the Republic”
