This article is devoted to the analysis of the role of commercial banks of the Republic of Uzbekistan in the development of the national economy, in particular, in financing investment projects, increasing the level of employment, and implementing innovative technologies. It highlights the priority areas for the development of the banking system of such strategic documents as the "New Uzbekistan - 2030" program and the Development Strategy for 2022-2026. Also, an in-depth analysis of the main indicators of the banking system of Uzbekistan (assets, loans, capital, and deposits) was conducted. In particular, the differences between state-owned banks and other banks, their market share, and their impact on economic stability are shown based on statistical data. The analysis revealed that state-owned banks have a dominant position in the market, but other banks can compete almost equally in attracting deposits. Information on the lending activities of commercial banks and the volume of non-performing loans (NPL) was also presented, and the risks and effectiveness in this area were assessed

This article analyses the use of electronic money in Uzbekistan, as well as the factors influencing its development and the existing challenGES. Although the adoption of electronic payment instruments has significantly increased in recent years due to the growth of the digital economy, several constraints—including insufficient infrastructure, low digital literacy, and limited trust in the banking system—have been identified as slowing down this process. The study provides a comparative analysis of the experiences of Uzbekistan, Turkey, and Kazakhstan, and presents statistical data on chanGES in total bank deposits, the share of electronic money, and term deposits from 2017 to 2024. The findings indicate that despite the rise in the use of electronic money, its share within total bank funds has decreased. These trends are shown to be closely related to the development of digital infrastructure, security systems, digital literacy, and government regulatory policies. The author emphasizes the need to expand infrastructure, strengthen security measures, improve digital literacy, and enhance the legal framework to further promote the development of the electronic money market

This article analyzes the adequacy of commercial banks' deposit base, the factors affecting it, the alignment of maturities, interest rates, and volumes between bank deposits and loans, as well as the growth trends of deposits and loans. The causes of the transformation risk associated with bank deposits and credits have been examined. Furthermore, practical proposals and recommendations have been developed regarding existing problems in bank credit services and their solutions

This article examines the structure of resource bases and capital adequacy mechanisms in major international commercial banks, with a focus on JPMorgan Chase and Wells Fargo. The analysis reveals that deposits remain the primary source of funding, while long-term liabilities and shareholder equity play a crucial role in ensuring financial stability. The Basel Committee’s capital adequacy standards serve as an essential benchmark, enhancing banks’ capacity to absorb risks. The findings are of practical relevance for Uzbekistan’s banking sector in terms of diversifying resource bases, optimizing capital structure, and strengthening liquidity management.

This study analyses historical data (2000–2024) to forecast Uzpromstroybank’s deposit base and total resource trends using simple OLS regression models. A linear time-trend model is estimated for both series to capture long-run growth. The regression results show strong, significant upward trends (high R², statistically significant coefficients) for deposits and resources, indicating robust growth. Forecasts generated by extrapolating these trends suggest continued expansion of the bank’s deposits and resources in the short term. The findings are relevant for bank management and policymakers, as they highlight the trajectory of funding sources in Uzbekistan’s banking sector. Limitations include the simplicity of the linear model and potential structural changes, nonetheless, the results provide a baseline projection and underline the importance of improving deposit mobilization and financial sector reforms.

There are several ways to attract resources in commercial banks. It is convenient for commercial banks to use their funds as a resource. However, given the limited resources available, the funds attracted are acceptable and attractive. In this study, we will examine the ways in which commercial banks conduct deposit policies to attract resources and the ratio of deposits to various economic indicators. Let us focus on the problems that exist in the process and their solutions.

This article provides a comprehensive analysis of ways to increase the efficiency of the resource base of commercial banks, its economic significance in ensuring the stability of banking activities, and its role in enhancing the efficient use of financial resources. The study examines the structural composition of the bank resource base and its importance in liquidity management, expansion of lending capacity, and minimization of financial risks from both theoretical and practical perspectives. Particular attention is paid to improving mechanisms for attracting idle funds of households and business entities to the bank resource base, diversifying deposit and non-deposit funding sources, optimizing the cost of resources, and increasing the competitiveness of banks. The research findings contribute to identifying opportunities to strengthen the financial stability of the banking system and support economic development through improving the efficiency of the resource base of commercial banks

In the article, an econometric analysis of the influence of the dynamics of changes in the structural structure of the liabilities of the joint-stock commercial bank "Mikrokreditbank" operating in the national economy on the formation of net interest income is carried out. In particular, in the analysis, the bank's net interest income before deducting potential losses on assets was taken as the dependent variable, and the bank's obligations to other banks, deposits, credit and leasing transactions, securities issued by the bank, subordinated debt and other obligations, and share capital were selected as independent variables. Based on the analysis, scientific conclusions were formed

The article analyzes the financial indicators related to the credit activities of commercial banks in the national economy, in particular, the total volume of assets, liabilities and capital in the structure of liabilities, as well as the volume of loans and deposits and their shares over the past five years, and presents the results. Scientific conclusions are drawn based on the analysis.

This article discusses the challenges of increasing the assets of commercial banks in Uzbekistan and ways to accelerate their activities in the national economy. During the ongoing reform of the financial sector, several measures have been implemented to create the necessary legal framework for maintaining a strong banking industry and fostering competition. The article also presents the existing challenges in increasing the volume of bank assets and the author's proposed solutions.

This article analyzes the reforms being implemented in the banking system of Uzbekistan, strategies for ensuring financial stability and attracting resources. It is shown that the country's economic stability should be increased through modernization of the banking system, new financial instruments and innovative approaches. The article discusses the main problems of the banking system of Uzbekistan, modern methods for their elimination, as well as opportunities for attracting resources based on international experience and their significance for the country's economy. At the same time, it recommends ways to increase the efficiency of banks and financial institutions through reforms and have a positive impact on the state economy.