STRENGTHENING THE FINANCIAL RESOURCE BASE OF COMMERCIAL BANKS IN THE CONTEXT OF DIGITALIZATION
DOI:
https://doi.org/10.5281/zenodo.17443684Keywords:
Deposit, types of deposits, bank deposit, deposit base adequacy, demand deposit, resource base, deposit stability, digital technologies, digital transformation.Abstract
This article examines time deposits in commercial banks as a key component of general banking policy andoutlines the strategy and tactics behind deposit operations. Strengthened macroprudential control measures implemented
within the framework of the Central Bank of the Republic of Uzbekistan's monetary policy have led to challenges such as
a shortage of long-term liquid resources in the national currency and the need for banks to maintain adequate liquidity.
In response, the government is undertaking several well-considered initiatives aimed at enhancing the fnancial stability
of commercial banks. Furthermore, the article analyzes factors influencing the stability of the deposit base, assesses the
adequacy of time deposits, and highlights the instability of fxed interest rates on savings and time deposits, particularly
in terms of their impact on bank proftability.
References
Decree of the President of the Republic of Uzbekistan dated February 7, 2017, No. PF-4947, On the Action Strategy
for the Further Development of the Republic of Uzbekistan. www.lex.uz/uz/docs/-3107036
Decree of the President of the Republic of Uzbekistan No. PF-60 dated January 28, 2022, The Development Strategy of
the New Uzbekistan for 2022–2026. – Collection of Regulatory Documents of the Republic of Uzbekistan. – Tashkent,
www.lex.uz/uz/docs/-5841063
Жуков Е.Ф. (2012). Банковское дело: учебник для бакалавров. – Москва: Издательство Юрайт. – 591 с.
Агарков М.М. (2005). Основы банковского права. – Авторский сборник. – 336 с.
Балабанов И.Т. (2005). Основы финансового менеджмента: учебное пособие. – 3-е изд., перераб. и доп. – Киев:
Элга, Ника-Центр. – 656 с.
Воробьёва Е.И. (2018). Депозитная политика Российского Национального коммерческого банка (ПАО) в
Республике Крым. – Научный вестник: Финансы, банки, инвестиции, №1, с. 99–110.
Омонов А.А. (2008). Тижорат банкларининг ресурсларини самарали бошқариш масалалари. – Иқтисод фанлари
доктори илмий даражасини олиш учун тақдим этилган диссертация автореферати. – Тошкент. – 35 б.
Central Bank of the Republic of Uzbekistan. (2024). Annual Report.
Association of Banks of the Republic of Uzbekistan. Statistical Data. – www.uba.uz
Annual Reports of Hamkorbank, Agrobank, and Ipak Yo‘li Bank (2022–2024).
