NAVIGATING FINANCIAL DISTRESS: INSIGHTS INTO BANK INSOLVENCY RISKS IN UZBEKISTAN
Keywords:
Bank insolvency, financial stability, liquidity, non-performing loans, liquidity coverage ratio, capital adequacy ratio, CAMELS model, credit risk, leverage ratio, risk-weighted assets.Abstract
Bank insolvency poses significant risks to financial systems, due to its potential ripple effects, systemic risks on national and global economies. This study investigates the key factors contributing to bank insolvency and applies CAMELS model to evaluate the factors such as macroeconomic and microeconomic risks, non-performing loans (NPLs) and liquidity constraints, which heighten insolvency risks. A comparative analysis of Uzbekistan’s banking sector and international cases clearly reveals critical vulnerabilities linked to asset quality, liquidity management, and regulatory gaps. Analyzing recent bank insolvencies, identifying weaknesses, as well as, making comparisons between international and local industries might help to strengthen financial stability and mitigate future risks.
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Молиявий барқарорлик шарҳи 2024 йил I ярим йиллик. Ўзбекистон Республикаси Марказий банки
