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MATTERS OF THE INCREASEMENT OF PRIVATE BANKS' CAPITALIZATION LEVEL
R.B. Kurbanov, lecturer Z.Z. Khudoyberganova, lecturer Tashkent financial institute (Uzbekistan, Tashkent)
Abstract. In article are analyzed the resource base of private banks, the amount and dynamic of their deposits, structure of their capital, the changes of indicators displaying the role of private banks in banking system and given comprehensive conclusions are given. Keywords: private banks, resource base, deposit, capital, asset and loan.
Capital is a word that gets used in somewhat different ways in somewhat different economic situations. But in the context of bank regulation, capital means money-that-isn't-debt.
If a bank earns profits and then uses those profits to make an investment (to make a new loan, or to buy an asset of some kind), that's using capital. Alternatively, if a bank sells new shares of stock and uses the proceeds to make an investment, that's using capital. If a bank steals a kid's lunch money and uses the proceeds to make an investment, that's using capital. Debt isn't capital, but any kind of money that isn't debt is capital.
Somewhat confusingly, capital is also sometimes called "equity," which in this context is exactly the same thing.
Bank capital is the value of the bank's assets minus its liabilities, or debts. Assets include cash, loans and securities, while liabilities cover customer deposits, and money owed to other banks and bondholders.
If all the assets were sold and all the debts repaid, the value which would be left over is equal to the bank's equity. A bank's capital is made up of certain loss-absorbing bonds, as well as its equity. These bonds include additional tier 1 bonds and tier 2 bonds. These bonds have equity-like features, which is why regulators allow them to count towards a banks' capital.
The increasement of the level of Private banks' capitalization and strengthening of
the financial stability are the necessary conditions of the stability of bank structure of each state. So, the decree of the president of the Republic of Uzbekistan "the strategy of movements referred to the development of Uzbekistan" signed on 7th February, 2017 is oriented to broadening of changes in the structure of banks and providing their stability, increasing the capitalization level of banks and development of financial stability. [1]
Also, according to the decree signed on 12th September, 2017 by the president of The Republic of Uzbekistan "About matters of further development and increasement of the stability of banks of the Republic"from the first of October, 2017 the minimum demand for trade banks was fixed as 100 billion sum. [2]
During many years in our republic the base of trade baks' resources became stronger.and it is clear that the role of bank's regulative capital in this is very important. The regulative capital of private banks is the capital which is formed by ordering the activity of banks and formation of financial measures. The regulative capital of our Republic banks was increased highly.And it is an effect of the policy related to the increasement of regulative capital of banks made by the government and the Central bank of Uzbekistan. In general, the overall capital of the private banks of our state can be seen in the given picture.
Picture 1. The dynamic of the overall capital of banks Republic of Uzbekistan (according
to the first January, in billion soums) [3]
It can be seen from the picture that, the overall capital of Republic's baks was increased by 398,9 per cents. Only the overall capital between 2016 and 2017 was increased by 1,8 which means it was 924 billion soums by 2017. And it means that the government of private banks does its work perfectly by paying the main attention to the level of capitalization, creating
important means which are necessary for covering big losses because of risks.
And it was demanded from trade banks of the Republic to provide the level of the minimal amount of the regulative capital till the first of January, 2019. But, nowadays not all the banks are able to form this capital entirely. It can be seen in the next table.
Table 1. The grouping of Trade banks according to the amount of overall and regulative capital [4]_
From these (according to numbers):
names of indicators overall to 100 billion from 100 to 300 from 300 to 500 from 500 billion soums from1 trln. soums 2 to trln. soums 2 trillion. soums
Numberof banks amount (billion soums) soums billion soums billion soums to 1 trln. soums and more
According to the conditions of 01.01.2017
Overall capital 27 9 007 8 11 3 3 2 -
Regulative capital 27 5 831 13 9 2 2 1 -
According to the conditions of 01.01.2018
Overall capital 28 23 725 7 5 6 3 4 3
Regulative capital 28 19 356 9 10 1 2 3 3
It can be seen from the data of table that according to this grouping the minimal capital of 8 banks are not enough to the fixed minimal capital-100 billions because of private banks. For example, the regulative capital of ХАТБ "RAVNAQ-BANK" is 22,83 billion soums, asthe capital of ХАТ "Универсал банк" is 24,40 billion soums, the capital of "Туркистон" ХАТБ reached 2,28 billion soums as the capital of ХАТБ "ДАВР БАНК" was 40,00 billion
should increase the amount of the regulative capital during a year. Nevertheless, this bank can face a bankrupt or can be united with another bank.
In conclusion, trade banks should find new ways of increasing their regulativecapital. Nevertheless, it leads to imperfections of the decree of the President from 12 th September, 2017 and it means that this bank cannot act any longer according to the decree.
soums. It means that our private banks
References
1. The decree of the president of the Republic of Uzbekistan -the action strategies referred to the further developments of the Republic of Uzbekistan//the collection of the decree documents of Uzbekistan-Tashkent, 2017. - № 6. - 32-б.
2. The decree of the president of the Republic of Uzbekistan "About matters related to the development of the structure of banks and forming their stability" from 12 September, 2017//the collection of the decree documents of Uzbekistan-Tashkent2017. - № 37. - 27-б.
3. http://www.axbor.uz- "Ahbor-Reyting"-рейтинг the data from 2014-2018
4. http://www.cbu.uz-the data of the formal site of the Central bank f Uzbekistan
ВОПРОСЫ УВЕЛИЧЕНИЯ УРОВНЯ КАПИТАЛИЗАЦИИ ЧАСТНЫХ
БАНКОВ
Р.Б. Курбанов, преподаватель З.З. Худойберганова, преподаватель Ташкентский финансовый институт (Узбекистан, г. Ташкент)
Аннотация. В статье анализируется ресурсная база частных банков, объем и динамика их депозитов, структура их капитала, изменения показателей, отражающих роль частных банков в банковской системе и даются исчерпывающие выводы.
Ключевые слова: частные банки, ресурсная база, депозит, капитал, актив и кредит.
