АНАЛИЗ ЭФФЕКТИВНОСТИ ИСПОЛЬЗОВАНИЯ БАНКОВСКИХ КРЕДИТОВ КЛИЕНТАМИ В УЗБЕКИСТАНЕ

Аннотация

Attention is paid to the initial investment and capital level of banks as an important issue, because the global financial and economic crisis that began in 2008 proved once again that increasing their capitalization level is one of the most important economic issues in ensuring the stability of the banking system. In our analysis, the level of our capitalization, its effect on credit efficiency and indicators of effective use of credit by consumers (clients) were analyzed on the example of Uzbek banks, and the author developed ideas as a solution to the problems. Data on credit rates of ATB "Agrobanki" and HSBC Holdings Bank of Great Britain were used. Keywords: capitalization of banks, credit rates, profitability indicators, creditworthiness of the client.