Banking system stability indicators of the Republic of Uzbekistan as of June 1, 2020
| Banking system stability indicators of the Republic of Uzbekistan as of June 1, 2020* | ||||||
| billion UZS | ||||||
| Main indicators | 2019Q4 | 2020M1 | 2020M2 | 2020M3 | 2020M4 | 2020M5 |
| 31.12.2019 | 31.01.2020 | 28.02.2020 | 31.03.2020 | 30.04.2020 | 31.05.2020 | |
| Сapital to risk-weighted assets | ||||||
|
23,52 |
23,41 |
22,90 |
22,23 |
21,38 |
20,77 |
|
|
Сapital |
52 466,8 |
53 662,0 |
53 780,2 |
53 824,2 |
54 577,8 |
54 849,7 |
|
Risk-weighted assets |
223 041,1 |
229 263,9 |
234 870,1 |
242 178,2 |
255 244,9 |
264 030,5 |
|
Regulatory Tier 1 capital to risk-weighted assets |
19,57 |
20,98 |
20,40 |
19,71 |
18,80 |
18,17 |
|
Regulatory Tier 1 capital |
43 659,2 |
48 106,7 |
47 911,8 |
47 745,4 |
47 979,0 |
47 980,6 |
|
Risk-weighted assets |
223 041,1 |
229 263,9 |
234 870,1 |
242 178,2 |
255 244,9 |
264 030,5 |
|
Nonperforming loans net of provisions to capital |
2,62 |
2,89 |
3,51 |
4,39 |
4,57 |
4,19 |
|
Nonperforming loans net of provisions |
1 373,8 |
1 549,9 |
1 889,8 |
2 361,1 |
2 494,0 |
2 299,9 |
|
Capital |
52 466,8 |
53 662,0 |
53 780,2 |
53 824,2 |
54 577,8 |
54 849,7 |
|
Nonperforming loans to total gross loans |
1,48 |
1,83 |
2,07 |
2,23 |
2,21 |
2,25 |
|
Nonperforming loans |
3 169,1 |
3 939,9 |
4 519,9 |
5 021,2 |
5 217,5 |
5 473,7 |
|
Total gross loans |
214 344,3 |
215 705,6 |
218 693,0 |
225 199,1 |
236 593,6 |
243 033,3 |
|
Sectoral distribution of loans to total loans |
|
|
|
|
|
|
|
Sectoral distribution of loans |
|
|
|
|
|
|
|
Residents |
99,99 |
99,98 |
99,98 |
99,99 |
99,97 |
99,97 |
|
Loans to Residents |
214 316,2 |
215 673,0 |
218 659,7 |
225 166,7 |
236 530,5 |
242 969,5 |
|
Sectoral distribution of total loans : Deposit-takers |
0,73 |
0,72 |
0,71 |
0,69 |
0,68 |
0,67 |
|
Loans to Deposit takers |
1 564,9 |
1 560,4 |
1 556,1 |
1 556,1 |
1 611,8 |
1 618,3 |
|
Sectoral distribution of total loans : Central bank |
0,00 |
0,00 |
0,00 |
0,00 |
0,00 |
0,00 |
|
Loans to Central Bank |
0,0 |
0,0 |
0,0 |
0,0 |
0,0 |
0,0 |
|
Sectoral distribution of total loans: Other financial corporations |
0,20 |
0,20 |
0,21 |
0,22 |
0,21 |
0,20 |
|
Loans to Other financial corporations |
432,5 |
440,6 |
461,5 |
491,3 |
489,4 |
477,1 |
|
Sectoral distribution of total loans : General government |
4,05 |
3,71 |
3,46 |
3,38 |
3,36 |
3,19 |
|
Loans to General government |
8 677,4 |
7 994,1 |
7 573,5 |
7 601,1 |
7 944,4 |
7 763,3 |
|
Sectoral distribution of total loans : Nonfinancial corporations |
74,56 |
74,67 |
74,57 |
74,65 |
75,51 |
75,79 |
|
Loans to Nonfinancial corporations |
159 818,2 |
161 067,7 |
163 072,8 |
168 106,2 |
178 659,0 |
184 206,5 |
|
Sectoral distribution of total loans : Other domestic sectors |
20,45 |
20,68 |
21,03 |
21,05 |
20,21 |
20,12 |
|
Loans to Other domestic sectors |
43 823,2 |
44 610,2 |
45 995,9 |
47 412,0 |
47 826,0 |
48 904,3 |
|
Nonresidents |
0,01 |
0,02 |
0,02 |
0,01 |
0,03 |
0,03 |
|
Loans to Nonresidents |
28,1 |
32,6 |
33,3 |
32,4 |
63,0 |
63,7 |
|
Total gross loans |
214 344,3 |
215 705,6 |
218 693,0 |
225 199,1 |
236 593,6 |
243 033,3 |
|
Return on assets |
2,23 |
2,70 |
2,64 |
2,42 |
2,44 |
2,28 |
|
Net income |
5 693,2 |
7 407,1 |
7 266,5 |
6 779,8 |
6 920,7 |
6 576,1 |
|
Total assets |
254 942,6 |
273 835,2 |
275 539,6 |
280 561,6 |
283 274,6 |
287 919,5 |
|
Return on equity |
13,75 |
12,08 |
11,60 |
10,67 |
10,63 |
9,85 |
|
Net income |
4 680,7 |
6 253,1 |
6 049,1 |
5 566,1 |
5 610,3 |
5 221,0 |
|
Capital |
34 039,3 |
51 745,3 |
52 144,6 |
52 179,9 |
52 756,3 |
53 021,9 |
|
Interest margin to gross income |
50,71 |
39,94 |
44,43 |
46,61 |
49,21 |
51,34 |
|
Interest margin |
9 898,4 |
1 056,8 |
2 051,5 |
3 161,2 |
4 260,3 |
5 380,6 |
|
Gross income |
19 517,9 |
2 646,2 |
4 617,5 |
6 782,6 |
8 658,3 |
10 481,2 |
|
Noninterest expenses to gross income |
49,54 |
25,24 |
30,91 |
38,52 |
40,01 |
40,92 |
|
Noninterest expenses |
9 670,1 |
667,9 |
1 427,3 |
2 612,5 |
3 464,1 |
4 289,0 |
|
Gross income |
19 517,9 |
2 646,2 |
4 617,5 |
6 782,6 |
8 658,3 |
10 481,2 |
|
Liquid assets to total assets |
13,89 |
13,10 |
13,03 |
14,26 |
13,93 |
13,67 |
|
Liquid assets |
37 887,2 |
36 017,1 |
36 348,1 |
41 139,2 |
41 977,4 |
42 341,9 |
|
Total assets |
272 726,7 |
274 943,7 |
278 948,3 |
288 396,4 |
301 358,0 |
309 727,0 |
|
Liquid assets to short-term liabilities |
40,32 |
38,21 |
37,34 |
39,81 |
37,92 |
36,03 |
|
Liquid assets |
37 887,2 |
36 017,1 |
36 348,1 |
41 139,2 |
41 977,4 |
42 341,9 |
|
Short-term liabilities |
93 962,0 |
94 251,0 |
97 352,6 |
103 340,9 |
110 705,4 |
117 524,8 |
|
Net open position in foreign exchange to capital |
11,28 |
5,14 |
5,99 |
3,92 |
3,82 |
5,55 |
|
Net open position in foreign exchange |
5 918,1 |
2 755,9 |
3 220,2 |
2 107,2 |
2 087,4 |
3 041,6 |
|
Capital |
52 466,8 |
53 662,0 |
53 780,2 |
53 824,2 |
54 577,8 |
54 849,7 |
|
Encouraged FSIs |
|
|
|
|
|
|
|
Deposit takers |
|
|
|
|
|
|
|
Regulatory Tier 1 capital to assets |
16,01 |
17,50 |
17,18 |
16,56 |
15,92 |
15,49 |
|
Regulatory Tier 1 capital |
43 659,2 |
48 106,7 |
47 911,8 |
47 745,4 |
47 979,0 |
47 980,6 |
|
Total assets |
272 726,7 |
274 943,7 |
278 948,3 |
288 396,4 |
301 358,0 |
309 727,0 |
|
Large exposures to regulatory Tier 1 capital |
171,87 |
171,82 |
179,19 |
177,43 |
187,09 |
188,10 |
|
Value of large exposures |
75 035,7 |
82 654,7 |
85 854,2 |
84 713,7 |
89 762,6 |
90 251,9 |
|
Regulatory Tier 1 capital |
43 659,2 |
48 106,7 |
47 911,8 |
47 745,4 |
47 979,0 |
47 980,6 |
|
Geographical distribution of loans to total loans |
|
|
|
|
|
|
|
Domestic economy |
100,00 |
100,00 |
100,00 |
100,00 |
100,00 |
100,00 |
|
Loans to Domestic economy |
214 344,3 |
215 705,6 |
218 693,0 |
225 199,1 |
236 593,6 |
243 033,3 |
|
Total gross loans |
214 344,3 |
215 705,6 |
218 693,0 |
225 199,1 |
236 593,6 |
243 033,3 |
|
Gross asset position in financial derivatives to capital |
0,21 |
0,21 |
0,21 |
0,23 |
0,29 |
0,26 |
|
Gross asset position in financial derivatives |
110,5 |
114,2 |
114,7 |
125,5 |
160,0 |
140,7 |
|
Capital |
52 466,8 |
53 662,0 |
53 780,2 |
53 824,2 |
54 577,8 |
54 849,7 |
|
Gross liability position in financial derivatives to capital |
0,14 |
0,14 |
0,15 |
0,16 |
0,17 |
0,15 |
|
Gross liability position in financial derivatives |
76,1 |
75,2 |
82,7 |
87,8 |
90,1 |
82,6 |
|
Capital |
52 466,8 |
53 662,0 |
53 780,2 |
53 824,2 |
54 577,8 |
54 849,7 |
|
Trading income to total income |
2,00 |
1,03 |
0,83 |
0,58 |
2,35 |
2,34 |
|
Trading and foreign exchange gains (losses) |
390,7 |
27,2 |
38,6 |
39,2 |
203,3 |
245,1 |
|
Gross income |
19 517,9 |
2 646,2 |
4 617,5 |
6 782,6 |
8 658,3 |
10 481,2 |
|
Personnel expenses to noninterest expenses |
46,15 |
45,36 |
45,22 |
44,16 |
43,32 |
44,14 |
|
Personnel expenses |
4 462,4 |
303,0 |
645,4 |
1 153,6 |
1 500,5 |
1 893,1 |
|
Noninterest expenses |
9 670,1 |
667,9 |
1 427,3 |
2 612,5 |
3 464,1 |
4 289,0 |
|
Customer deposits to total (noninterbank) loans |
36,0 |
36,1 |
35,7 |
34,08 |
33,20 |
33,16 |
|
Customer deposits |
76 503,6 |
77 194,3 |
77 469,8 |
76 203,6 |
78 000,3 |
80 048,9 |
|
Total gross loans |
212 761,6 |
214 122,7 |
217 113,7 |
223 621,1 |
234 929,7 |
241 414,9 |
|
Foreign-currency-denominated loans to total loans |
47,1 |
47,5 |
47,5 |
47,53 |
48,18 |
48,26 |
|
Foreign-currency-denominated loans |
100 947,3 |
102 357,7 |
103 774,9 |
107 028,8 |
113 998,8 |
117 292,0 |
|
Total gross loans |
214 344,3 |
215 705,6 |
218 693,0 |
225 199,1 |
236 593,6 |
243 033,3 |
|
Foreign-currency-denominated liabilities to total liabilities |
58,1 |
58,7 |
58,5 |
59,05 |
59,99 |
59,34 |
|
Foreign-currency-denominated liabilities |
128 772,2 |
130 577,1 |
132 244,7 |
138 815,2 |
148 373,5 |
151 535,0 |
|
Total liabilities |
221 696,0 |
222 483,8 |
226 005,0 |
235 067,2 |
247 339,5 |
255 384,8 |
|
Residential real estate loans to total gross loans |
9,5 |
9,8 |
10,0 |
10,02 |
9,66 |
9,67 |
|
Residential real estate loans |
20 325,5 |
21 215,3 |
21 880,4 |
22 553,9 |
22 863,3 |
23 508,7 |
|
Total gross loans |
214 344,3 |
215 705,6 |
218 693,0 |
225 199,1 |
236 593,6 |
243 033,3 |
|
*Data are compiled in accordance with the new IMF guidance on the compilation of Financial Soundness Indicators |
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