Science and Education in Karakalpakstan issn 2181-9203 Science Magazine chief editor

Analyzes and their discussion 
In the total volume of deposits of commercial banks of our republic, it is observed that long-
term deposits have a small margin. For example, in large commercial banks of our republic (TIF 
National Bank, Industrikhurilishbank, Asakabank and Mortgagabank) of 2021 
As of December 31, the gross deposit volume of deposits attracted for more than a year was 
only 21.4 percent. 
It should be noted that the amount of overdue debt on loans issued within the framework of 
state programs is large, and in the decision of the president of the Republic of Uzbekistan on 
September 12, 2017 PQ-3270 "on measures to further develop and improve the stability of the 
Republican banking system", the burden of the Minister of Finance on the 
 
Figure 3.1. The balance of problematic loans in the total volume of loans of commercial banks 
of the Republic of Uzbekistan 

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Science and Education in Karakalpakstan. 2023 №2/1 ISSN 2181-9203 
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From the data of figure 3.1, it can be seen that in 2019-2021, the balance of problematic 
loans in the total volume of loans issued by commercial banks of the Republic of Uzbekistan has a 
tendency to increase. On top of that, as of January 1, 2022, the current level of this indicator was 
significantly higher than its generally accepted level (3.0%). These circumstances create a strong 
negative impact on the liquidity of commercial banks. 
As of January 1, 2021, the share of industry in the cross-section of economy sectors was 
28%, trade and catering was 13%, agriculture was 11%, Housing and communal services were 8%, 
construction was 5%, transportation and communication, material and technical development was 
1%, and the share of other sectors was 32%. 
We will evaluate the interest rate level of commercial bank loans through the data of the 
table below.