{"id":3059,"date":"2023-07-12T10:18:20","date_gmt":"2023-07-12T10:18:20","guid":{"rendered":"https:\/\/interfinance.tsue.uz\/?p=3059"},"modified":"2023-07-12T10:19:21","modified_gmt":"2023-07-12T10:19:21","slug":"increasing-the-capitalization-level-of-commercial-banks-as-a-necessary-condition-for-ensuring-their-competitiveness","status":"publish","type":"post","link":"https:\/\/interfinance.tsue.uz\/?p=3059","title":{"rendered":"INCREASING THE CAPITALIZATION LEVEL OF COMMERCIAL BANKS AS A NECESSARY CONDITION FOR ENSURING THEIR COMPETITIVENESS"},"content":{"rendered":"

Shokhboz Ibodullaev,<\/em><\/strong><\/p>\n

PhD,<\/em> Leading specialist of the National Bank of Foreign Economic Activity, HR Department, Compensation and Benefits Department, Material Payments Department.<\/em> Tashkent, Uzbekistan Email: <\/em>sh_ibodullayev@mail.ru<\/em><\/a><\/p>\n

ORCID: 0000-0002-3885-711X<\/em><\/p>\n

Abstract. <\/em><\/strong>The weight of the regulatory capital of commercial banks in the volume of liabilities is an important criterion for ensuring their solvency. The practical importance of this criterion was clearly demonstrated during the world financial and economic crisis that occurred in the fourth quarter of 2008. This is due to the fact that commercial banks with a high weight of regulatory capital in the total size of their liabilities have a high level of resistance to the global crisis. In particular, Swiss banks were less exposed to liquidity risk than banks in other European countries due to the high weight of regulatory capital in the volume of liabilities. <\/em>In our republic, the introduction of the requirement to form the authorized capital of commercial banks only in the national form played an important role in ensuring the stability of their capital base. Because the share of the devaluation reserve in the regulatory capital of the banks with foreign currency funds in the authorized capital increased. <\/em>Despite this, the actual problems related to increasing the level of capitalization of commercial banks in the banks of our republic, including the failure to ensure the proportionality between the growth rate of regulatory capital and the growth rate of assets at risk, the first level of emission income.           <\/em><\/p>\n

Key words:<\/em><\/strong> commercial bank, regulatory capital, first-tier capital, emission income, reserve capital, authorized capital, passive<\/em>.<\/em><\/p>\n\n\n