This study examines the impact of the relationship between bank assets and liabilities on bank profitability, highlighting the critical role of effective asset-liability management in financial performance. Banks generate income primarily through interest earned on assets such as loans and investments, while liabilities, including deposits and borrowings, represent the cost of funds. The balance between these two elements determines net interest income (NII) and net interest margin (NIM), both key indicators of profitability. Factors such as interest rate spreads, asset quality, maturity mismatches, and liquidity management significantly influence the bank’s profitability. A well-managed asset-liability mix enhances income stability and reduces risks associated with interest rate fluctuations and liquidity constraints. Conversely, poor management can lead to reduced margins, increased risk exposure, and potential financial instability. Understanding and optimizing the interplay between assets and liabilities is essential for banks to maximize profitability, manage risks, and sustain long-term growth in a competitive and regulated environment. From this point of view, in this article, I tried to reveal the importance of the net interest margin in increasing the profitability of the bank, as well as the state of management of bank assets and liabilities in the banking system of the Republic of Uzbekistan and its effect on the efficiency of the banking system.

The article is devoted to the study of the legal regulation of the market of digital assets and cryptocurrencies, which is one of the most relevant and dynamically developing areas of modern law and economics. The work examines the main approaches to the regulation of digital assets in various countries, analyzes the advantages and disadvantages of existing legal norms and proposals for their improvement. Based on the analysis, recommendations are proposed for the formation of an effective legal framework that can ensure the stable development of the market for digital assets and cryptocurrencies, while minimizing potential risks.

The purpose of this article is to identify the potential for the development of gastronomic tourism in the Republic of Uzbekistan based on the analysis of statistical data. Research methods include statistical data analysis, SWOT analysis. The results of the study. Uzbekistan has a rich potential for the development of gastronomic tourism, due to its unique cuisine, historical and cultural heritage, as well as a favorable climate. Gastronomic tourism in Uzbekistan is at the stage of development, but shows positive growth dynamics. The share of income from gastronomic tourism in the total GDP of Uzbekistan is about 2%. The problems hindering the development of gastronomic tourism include a lack of infrastructure, a shortage of qualified personnel, and limited information for foreign tourists. It has been revealed that gastronomic tourism can become one of the leading directions of the tourism industry in Uzbekistan, subject to state support and competent management. For the development of gastronomic tourism, it is necessary to develop tourist infrastructure; improve the skills of personnel; actively promote the gastronomic potential of Uzbekistan on the international market; develop new gastronomic routes; preserve and popularize traditional recipes and cooking technologies.

This article provides information about the relevance of organizing an excursion service in the tourism industry. Because tourism has developed and is currently developing, the development of excursion services is of great importance for any tourist area. By organizing an excursion service, it encourages the sustainable development of tourism in the region, if potential customers have sufficient information about the tourist area. Therefore, the excursion service is currently considered one of the main types of services in the organization of tourism.

The resource dependency theory (RDT) is used to guide an empirical analysis of the higher education system in Uzbekistan. The regression models are applied to a panel dataset consisting of 62 Uzbek higher education institutions, covering the period 2000-2013, to examine the determinants of the expenditure decisions made by institutions. The key hypothesis is concerned with the relationship between the share of revenue from tuition fees and the share of expenditure spent on teaching. The analysis attempts to control for unobserved heterogeneity through the inclusion of fixed effects. Instrumental variables estimation is used to address the potential endogeneity of the relationship between these two variables. The main finding is that there is a positive and statistically significant relationship between the share of revenue from tuition fees and the share of expenditure spent on teaching, even after other factors are held contact, which is consistent with a core premise of RDT.