TIJORAT BANKLARIDA DEPOZIT OPERATSIYALARI

Аннотация

The formation of an effective deposit policy and the management of the deposit portfolio are among the key factors of financial stability for commercial banks. Deposits, which make up the majority of the banks’ resource base, expand lending capabilities, strengthen financial intermediation, and provide the economy with necessary resources. Currently, measures are being implemented in Uzbekistan’s banking system to develop deposit policies, expand customer-oriented deposit products, and improve the quality of deposit portfolios. This article scientifically and practically analyzes the essence of commercial banks’ deposit policies, the structure of their deposit portfolios, development trends, existing problems, and solutions. Practical recommendations are also proposed to improve deposit policy. Keywords: commercial banks, deposit policy, deposit portfolio, bank resources, lending, customer trust, interest policy, financial stability, competitiveness, banking products, service quality, strategic development.