Publication Details
Abstract
This study develops a reproducible long-term funding readiness framework for commercial banks in Uzbekistan and uses public data to diagnose observable funding-mix conditions rather than to rank banks. Between January 1 and December 1, 2025, banking-system loans increased by 11.7%, while deposits rose by 26.7%; the deposit-to-loan support ratio consequently increased from 57.9% to 65.7%. For state-owned banks, loan and deposit growth were 9.6% and 33.3%, respectively, and the ratio increased from 42.1% to 51.2%. Microcreditbank recorded loan growth of 16.7%, deposit growth of 19.1%, and a ratio change from 45.0% to 45.9%. At mid-2025, the system maintained a liquidity coverage ratio of 195%, a net stable funding ratio of 117%, total regulatory capital adequacy of 17.4%, and a nonperforming-loan ratio of 3.8%. The evidence indicates a funding-composition and diversification challenge rather than an immediate system-wide liquidity shortage. The proposed framework covers financial resilience, asset quality, liquidity and funding structure, market access and disclosure, and transaction and risk preparedness. It specifies benefit, cost, target and qualitative normalization rules, an equal-pillar baseline, missing-data requirements, sensitivity testing, and an all-in funding-cost formula. A separate matrix links readiness conditions to credit lines, syndicated loans, bonds, green and social instruments, sukuk, covered bonds and subordinated debt, subject to external legal, market and prudential prerequisites. The framework is conceptual and requires validation with audited, supervisory and transaction-level data before any public classification is attempted.