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INTRODUCTION (abstract of the dissertation of the doctor
of philosophy (PhD))
The purpose of the research is to develop scientific recommendations and
practical recommendations aimed at improving the liquidity risk management
practices of commercial banks in Uzbekistan.
The object of the research is joint-stock commercial banks in Uzbekistan,
including Sanoatqurilishbank, Asakabank, Qishloq Qurilish Bank and Turonbank.
The scientific novelty of the research work is comprised of followings:
ensuring the normal requirements for overdue loans in the commercial banks,
their permissible limits and reserve
requirements for loan losses, compliance with
regulatory requirements for commercial banks' current liquidity,
and maturity of
assets and borrowed funds with a moderate level of return on assets and the rationale
for the proportionality between the amounts and the sums;
the need to increase the level of banks' liquidity by reducing the share of demand
deposits
in gross volume of deposits, with the shift of a stable balance of demand
deposits of commercial banks to highly liquid securities;
justifying the need for commercial banks to increase their current liquidity and
financial stability by reducing the share of transactional deposits in gross deposits and
maintaining the standard rate of net interest margin;
It is advisable to maintain the instant liquidity ratio of not less than 0.20 by
encouraging cash inflow to the cash departments
of commercial banks, maintaining
the balance of the bank's Nostro correspondent accounts in the national currency and
reducing the share of transactional deposits in the total volume of gross deposits.
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