ANALYSIS OF THE STATE OF ASSETS DIVERSIFICATION IN THE BUSINESS DEVELOPMENT BANK OF THE REPUBLIC OF UZBEKISTAN

Аннотация

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). 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 15 125 139 SOLUTION OF SOCIAL PROBLEMS IN MANAGEMENT AND ECONOMY International scientific-online conference - Transport and 61 41 33 105 86 communications - Construction 37 193 28 207 135 - Trade and catering 42 22 85 188 139 - Material and technical 105 28 1 806 1 403 732 support - Housing and 0 0 47 192 263 communal services - Individuals 352 546 1 409 3 157 5 119 -commercial loans 327 262 765 1 389 1 028 -each family is an 25 284 645 1 768 4 091 entrepreneur - 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 loan 3 172 4972 6 468 6 916 - commercial loans 2 150 2 999 5 592 10 878 Table 2 “Business Development Bank” N Problem assets Problem loans (number of clients 162,398) - Overdue loans (158,362) 140 SOLUTION OF SOCIAL PROBLEMS IN MANAGEMENT AND ECONOMY International scientific-online conference - Loans in litigation (4,036) Extended loans (35,273 clients) Non-performing loans - NPL (74,449) - Unsatisfactory - Doubtful - Hopeless Share of problem loans in total investment Reserve created for loans Balance of loan “Cotton 2018- 2019” of which farms were liquidated Accrued interest (16,300) of which overdue interest (16,377) Settlement brokerage commission (16,400) Other private property of the bank (16,700) Overdue interest (91,500) Credit balance of corporate clients Clusters cotton textiles JSC “Uzdonmahsulotlari” JSC “Uzagrokimyohimoya” JSC “Uzagroservis”