Toshboyev sirojiddin odil o‘G‘li table 4 Analysis of the dynamics of loans extended by commercial banks by client category

Variant 10
TOSHBOYEV SIROJIDDIN ODIL O‘G‘LI
Table 4
Analysis of the dynamics of loans extended by commercial banks by client category

No.	Name of indicators	2019, billions of UZS	2020, billions of UZS	Changes		2021, billions of UZS	Changes
				Amount, billions of UZS	%		Amount, billions of UZS	%
1.	Loans, total	140762,40	127 207,5	13 554,90	0,09629631	166240,9	39 033,40	0,3068483
2.	of which
3.	Loans in national currency	80406,70	79040,6	1 366,10	0,01698988	102258,6	23 218,00	0,2937478
4.	of which
5.	legal entities	51498,20	48010,0	3 488,20	0,06773441	58637,8	10 627,80	0,2213664
6.	sole proprietorship	2430,70	2564,0	-133,30	-0,05484017	3099,9	535,90	0,2090094
7.	individuals	26477,80	28466,6	-1 988,80	-0,07511198	40520,9	12 054,30	0,4234542
8.	Loans in foreign currency	60355,70	48167,0	12 188,70	0,20194779	63982,3	15 815,30	0,3283431
9.	of which
10.	legal entities	60279,90	48064,8	12 215,10	0,20263969	63729,0	15 664,20	0,3258975
11.	sole proprietorship	75,8	102,1	-26,30	-0,3469657	253,3	151,20	1,4809011
12.	individuals	0,0	0,0	0,00	0	0,0	0,00	0

Table 5
Analysis of the structure of loans extended by commercial banks by client category

No.	Name of indicators	2019		2020		2021
		Amount, billions of UZS	%	Amount, billions of UZS	%		Amount, billions of UZS	%
1.	Loans, total	140762,40	100,00	127 207,5	100,00		166240,9	100,00
2.	of which
3.	Loans in national currency	80406,70	57,1222855	79040,6	62,1351728		102258,6	61,5122993
4.	of which
5.	legal entities	51498,20	36,585196	48010,0	37,7414854		58637,8	35,2727879
6.	sole proprietorship	2430,70	1,72681057	2564,0	2,01560443		3099,9	1,86470357
7.	individuals	26477,80	18,8102789	28466,6	22,3780831		40520,9	24,3748079
8.	Loans in foreign currency	60355,70	42,8777145	48167,0	37,8649058		63982,3	38,4877007
9.	of which
10.	legal entities	60279,90	42,8238649	48064,8	37,7845646		63729,0	38,3353314
11.	sole proprietorship	75,8	0.054	102,1	0.08		253,3	0,15236924
12.	individuals	0,0		0,0			0,0

Intermediate control – 1 tasks


for the BIA-84i group students

Themes of the discipline “Finance”: Theme 14. Modern finance: essence, objective necessity and significance. Theme 15. Modern (practical) financial decisions. Theme 16. Modern (practical) financial system and financial flows. Theme 17. Modern (practical) financial innovations and financial markets. Theme 18. Financial market rates. Theme 19. Modern (practical) financial intermediaries. Theme 20. Modern (practical) financial infrastructure and regulation of the financial system.

Distribution of points: Task 1 – 2 points. Task 2 – 2 points. Task 3 – 2 points. Task 4 – 2 points. Task 5 – 5 points. Task 6 – 2 points. Total – 15 points.

Task 1. Imagine one practical example to each approach to the definition of the concept and essence of finance and fill in Table 1.

Table 1
Different approaches to the definition of the concept and essence of finance

№	Description of finance as …	Practical examples
1.	Finance as a system of money relations for the formation, distribution, and use of money funds	Government spends its budget to cover expenditures of the country
2.	Finance as a historical category	Money operations were existant for a long time ago
3.	Finance as the practice of managing the funds of economic entities	Money management in economic entities
4.	Finance as an important part of the economy, without which the functioning of the state, enterprises and households is impossible	Money relations everywhere can be a good example here
5.	Finance as a science that studies various aspects of the organization of financial relations of economic entities	Money Transactions in enterprises
6.	Finance as an academic discipline studied by students of various undergraduate majors	Money operations were existant for a long time ago

Task 2. Choose one economic entity (a household or a commercial enterprise), imagine 6 financial decisions of this entity, write their types, and fill in Table 2.

Table 2
Financial decisions of __a commercial bank_______________________________

№	Description of the decision	Type of the decision
1.	To give a loan	Organizational decisions
2.	Receive deposits	Organizational decisions
3.	Documentation	Organizational decisions
4.	Investment analysis	Organizational decisions
5.	Retail operations	Organizational decisions
6.	Customer support activities	Organizational decisions

Task 3. You have studied functions of financial system. Imagine one practical example to each function of financial system, and fill in Table 3.

Table 3
Financial decisions of _________________________________

№	Name of the function	Practical situation
1.	The movement of resources in time and space using the financial system	Money movement between banks
2.	Risk management through the financial system	Risk in economic entities
3.	Settlements and payments through the financial system	Money operations in financial system
4.	The pooling of resources and the separation of equity units through the financial system	The movement of resources in time and space using the financial system
5.	Information support from the financial system	Customer support activities
6.	Solving the psychological problems of stimulation using the financial system	Customer support activities

Task 4. Write a short essay of 5-7 sentences on the theme “Why do we need financial innovations?” Describe one example of financial innovations that you think to be the best one.
Financial innovation has improved access to credit, reduced costs, and increased choice. We should not attempt to impose restrictions on credit providers so onerous that they prevent the development of new products and services in the future. Financial innovation has come via advances in financial instruments, technology has helped to transform the financial services industry, changing how we save, borrow, invest and pay for goods.

6).
(1) Interest rates are an important element in deter-mining the demand for domestic financial assets, the levels of domestic saving and investment, and the current and capital accounts in the balance of payments. Their importance varies among developing countries, how- ever, because of differences in the degree of devel- opment of financial markets, the degree of separation of saving and investment decisions, and the extent of free-dom permitted to inward and outward capital movements.

(2) There is widespread reluctance among the authorities of developing countries to permit interest
rates to be determined in the market. This reluctance is only partially explained by imperfections in financial markets or the fact that in some countries major financial institutions are state controlled. To a great extent, it may derive from the view that interest rates ought to serve
various policy objectives rather than bringing the under- lying demand for funds into equilibrium with their sup-ply. For this reason, there has been a tendency for the
administered interest rates in developing countries to be lower than current rates of inflation, even when interest rates in international financial markets are strongly pos- itive in real terms. The excess demand for credit generated by these relatively low interest rates is dealt with by a variety of measures to allocate credit byad-ministrative means.