BANK MAHSULOTLARI VA XIZMATLARI BAHOSINI SHAKLLANTIRISH AMALIYOTINI TAKOMILLASHTIRISH (“HAMKORBANK” ATB MISOLIDA)

Аннотация

This article provides an in-depth analysis of the practice of pricing products and services in commercial banks. The pricing policy of banks is considered an important strategic tool in determining not only loan and deposit rates, but also the cost of all additional financial services. It is shown that the pricing of services is influenced by internal costs, risks, customer needs, and external economic factors. It also highlights the advantages of using valuation mechanisms based on international experience, Basel III, and IFRS standards. Effective ways to improve pricing policy through digital technologies, customer segmentation, and innovative pricing approaches are shown. As a result, it is scientifically proven that it is possible to increase the competitiveness of banks, ensure financial stability, and strengthen customer trust. Keywords: Bank products, pricing of services, pricing policy, commercial banks, financial services, digital transformation, risk management.