AKTIV VA PASSIVLARNI BOSHQARISHDA RAQAMLI TEXNOLOGIYALAR VA IT TIZIMLARINING ROLI

Аннотация

This article analyzes modern approaches to managing assets and liabilities in the activities of commercial banks. It discusses strategies for the effective allocation of banking resources, ensuring liquidity, increasing profitability, and minimizing risks. The paper examines methods for improving the asset-liability management system of commercial banks, particularly maintaining asset-liability balance, asset diversification, and ensuring the stability of the liability structure. In addition, based on the practical experience of commercial banks in Uzbekistan, current problems and directions for improvement are identified. Based on the research results, effective mechanisms for asset and liability management are developed, and proposals are made for their implementation in practice. Keywords: commercial bank, assets, liabilities, liquidity, risk, management, profitability, diversification, balance, financial stability, banking system.