{"id":784,"date":"2022-09-16T13:00:07","date_gmt":"2022-09-16T13:00:07","guid":{"rendered":"https:\/\/interfinance.tsue.uz\/?p=784"},"modified":"2022-10-14T10:21:00","modified_gmt":"2022-10-14T10:21:00","slug":"topical-issues-of-ensuring-capital-adequacy-of-commercial-banks","status":"publish","type":"post","link":"https:\/\/interfinance.tsue.uz\/?p=784","title":{"rendered":"TOPICAL ISSUES OF ENSURING CAPITAL ADEQUACY OF COMMERCIAL BANKS"},"content":{"rendered":"

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

Tashkent State University of Economics<\/em><\/p>\n

independent researcher<\/em><\/p>\n

Email: <\/em>sh_ibodullayev@mail.ru<\/em><\/a><\/p>\n

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

Abstract. <\/em><\/strong>Ensuring the capital adequacy of commercial banks is a prerequisite for ensuring their solvency. Therefore, capital adequacy of commercial banks is one of the main objects of prudential banking supervision. In addition, the financial and economic crisis that erupted in the fourth quarter of 2008 necessitated an increase in the minimum requirements for capital adequacy of commercial banks. As a result, the Basel Committee, in its Basel III standard, raised the level of minimum capital adequacy requirements for commercial banks. In particular, the minimum capital adequacy requirements included the requirements for a protective conservation capital buffer, for a countercyclical capital buffer, and the levels of minimum requirements for regulatory capital adequacy and Tier 1 capital were increased. <\/em><\/p>\n

The Central Bank of the Republic of Uzbekistan has adopted the minimum requirements of the Basel Committee for the capital adequacy of commercial banks. In 2015, the Central Bank of the Republic of Uzbekistan adopted new prudential requirements of the Basel Committee (Basel III) on capital adequacy of commercial banks. As a result, from 2015 to 2019, a gradual increase in the minimum requirements for capital adequacy of commercial banks was carried out. Since January 1, 2019, the minimum capital adequacy requirements for commercial banks have been established: for regulatory capital – 13.0; for Tier 1 capital \u2013 10.0%. At the same time, there are urgent problems related to ensuring the capital adequacy of commercial banks. In particular, there is a reserve for devaluation in the capital structure of commercial banks. In addition, in some commercial banks, the growth rate of risk-weighted assets exceeds the growth rate of regulatory capital. During the coronavirus pandemic, payments on loans from commercial banks were suspended, which negatively affected the liquidity and financial stability of commercial banks. And this, in turn, had a negative impact on the capital adequacy of commercial banks. The article identifies urgent problems related to ensuring the capital adequacy of commercial banks of the Republic of Uzbekistan and develops scientific proposals aimed at solving these problems.<\/em><\/p>\n

Key words. <\/strong>commercial bank, capital, capital adequacy, “hole” in capital, return on equity, assets.<\/em><\/p>\n

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