THE IMPACT OF DEPOSITS ON THE DEVELOPMENT OF KASHKADARYA REGION
DOI:
https://doi.org/10.5281/zenodo.22667685Abstract
This article examines the role of bank deposits in the socioeconomic development of Kashkadarya Region,
Republic of Uzbekistan. Deposits are considered the most important internal source of credit resources, providing financing
for the real sector of the region’s economy. Using statistical data on deposits and loans issued in Kashkadarya Region as of
June 1, 2026, a comparative analysis of the region’s deposit base and the country’s overall deposit base is conducted. It is
found that while the region’s share of the national loan portfolio is approximately 4.7%, its share of deposits is only 2.05%.
It is shown that the region is a net recipient of credit funds, and its own deposit base covers less than a third of issued
loans. Conclusions are drawn regarding the need to strengthen the region’s deposit potential to ensure self-financing and
sustainable regional development
Keywords
deposits, loans, Kashkadarya Region, regional economy, banking system, savings, financial resources, coverage ratio, investments, regional developmentReferences
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