The share of foreign capital in the banking sector has decreased: currently, it stands at 16.5% (or 26.7 billion soms), whereas at the end of 2024 this figure was 28% (or 21.6 billion soms) of the paid-up charter capital.
The capital adequacy and leverage ratios have significantly improved and exceed the minimum established requirements:
- total capital adequacy ratio — 27.7% (as of the end of 2024 — 22.0%) with a norm of 12.0%;
- leverage ratio — 14.4% (at the end of 2024 — 11.4%) with a norm of 6.0%.
- The liquidity of the banking system has also shown growth:
- liquidity ratio — 86.1% (as of the end of 2024 — 73.1%) with a norm of 45.0%.
Profitability has slightly decreased:
ROA was 4.1% (at the end of 2024 — 4.3%);
ROE decreased to 27.7% (as of the end of 2024 — 32.5%).
Financial intermediation (in relation to GDP) has improved:
assets/GDP — 64.4% (end of 2024 — 53.5%);
loans/GDP — 26.7% (end of 2024 — 22.4%);
deposits/GDP — 44.8% (end of 2024 — 38.9%).
