Audit and economical analysis

Dynamic change of commercial banks loans in Uzbekistan *

* Banking Structure in Uzbekistan : Foreign Banks (5) ; Private banks (7); Joint-stock commercial banks (11); Government Banks (3)

 

General aspects. In analyzing the creditworthiness of banks, the following complex indicators system should be studied.

Table 151

Balancing liquidity analysis methodology

 

General analysis of balance liquidity		Analysis of corporate liquidity indices
Conversion Factor Analysis
Analysis of profitability indicators
Analysis of Financial Indicators
Analysis of the probability of insolvency bankruptcy

 

Enterprise liquidity is the ability to quickly and efficiently convert its assets into cash with a view to covering the enterprise's existing obligations.

The solvency of the enterprise is the ability to pay for all obligations without damaging the enterprise's capital. In general, the liquidity of the enterprise is technological, ie, the rate of return on assets , and the liquidity of the enterprise's bookkeeping balance.

Balance liquidity is achieved through the rapid sale of assets in order to cover current liabilities .

Balance liquidity is generated by the quick sale of active funds in order to cover current liabilities on the passive.

Improve the liquidity of the balance term placement of funds they require to come across the term niches to attract special attention should be paid. The amount of assets to be equal to the amount of liability that can be deducted from liabilities is the same. High levels of assets with high liquidity in assets make the company's liquidity high .

Liquidity requirements can be calculated for any period. Demand and offer for liquidity resources are always changing . A non-liquidity venture can not be solvent.

Table 152

Dynamics of refinancing rate of the Central Bank of the Republic of Uzbekistan (1994-2017)