O‘ZBEKISTON RESPUBLIKASI TIJORAT BANKLARNING FILIALLAR TARMOG‘I FAOLIYATINI SAMARADORLIGINI OSHIRISH YO‘NALISHLARI

Аннотация

This article analyzes on a scientific basis the directions of increasing the efficiency of the branch network of commercial banks of the Republic of Uzbekistan. Expanding the territorial coverage of the banking system, being close to customers, improving the quality and speed of services are among the priority tasks of commercial banks. The article analyzes the dynamics of growth in the number of branches, their territorial location, economic efficiency and impact on customers, highlights existing problems and ways to eliminate them. In particular, proposals are developed on the introduction of digital technologies, specialization of branch activities, optimization of operating costs and increasing human resources. Also, based on the experience of foreign banks, models and directions that are suitable for the conditions of Uzbekistan are identified. Keywords: Commercial banks, branch network, efficiency, financial services, digitalization, territorial coverage, customer needs, banking system.