The article identifies and evaluates the emergence of financial stability in banks and its specific characteristics. Scientific studies by local and foreign scholars on this category have been examined and systematized. The perspectives of scholars regarding indicators such as capital adequacy and liquidity in ensuring financial stability have been analyzed. Based on the research, scientific conclusions and recommendations have been developed.

Ensuring the sustainability of commercial banks' liabilities is a prerequisite for strengthening their resource base and ensuring solvency. In particular, the stability of the share of regulatory capital in the volume of liabilities increases the resilience of a commercial bank to the consequences of financial crises, and ensuring the adequacy of deposits plays an important role in strengthening the bank’s resource base.

This article analyzes the formation of the banking system of the Republic of Uzbekistan, its evolutionary development stages, and prospects in the context of modern economic reforms. The study provides a detailed overview of the transformation of the banking system during the years of independence, particularly the fundamental reforms carried out in the period after 2017, the privatization of banks, and digital transformation. Macroeconomic factors ensuring the stability of the banking system, capital adequacy, and asset quality are analyzed based on statistical data. The article also discusses issues of liberalization of the banking services market, cooperation with international financial institutions, and the introduction of modern fintech technologies into the sector. As a resul, of the study, scientific and practical proposals and recommendations for the further development of the banking system of Uzbekistan have been developed, aimed at increasing the competitiveness of the industry.

This article consists of developing practical proposals on the negative impact of risk on banking activities in our country based on international experience, in particular the capital adequacy ratio adopted by the Basel Committee and measures aimed at risk management and minimization.