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 analyzes the current challenges in accounting for foreign exchange differences in Uzbekistan and presents practical and methodological solutions based on digital transformation. The study emphasizes the importance of automating exchange rate updates, developing a methodology aligned with IFRS 21, and implementing an AI-based monitoring system to enhance accuracy, transparency, and compliance in financial reporting.

This article analyzes the priority areas of improving tax administration in the Republic of Uzbekistan, in particular, the issues of digitization of the tax system, implementation of international standards (OECD) and optimization of tax control. During the study, specific solutions were proposed to reduce the human factor in selecting candidates for tax audits, accelerate analytical processes using "Big Data" technologies, and expand the tax base in the field of e-commerce. It also covers mechanisms for reducing the administrative burden by introducing a tax monitoring system for large taxpayers and establishing cooperation with taxpayers based on mutual trust

This article is dedicated to the economic indicators of handicraft activities in Uzbekistan and the introduction of digital technologies into the sector, analyzing the role and significance of handicrafts in the national economy. The opportunities to enhance the efficiency of product manufacturing and sales through digital technologies are explored. The prospects for the development of handicrafts through the implementation of innovations and IT solutions in the sector are also examined. In conclusion, recommendations are provided to strengthen the role of digital technologies in the handicraft industry.

In the context of rapid digitalization of the economy, the issue of increasing labor productivity in small businesses is gaining special relevance, as the efficiency of labor resource utilization directly affects the competitiveness and sustainability of business entities. This article examines the key factors influencing labor productivity growth, taking into account the specific features of small enterprises under digital transformation. The study analyzes institutional constraints, organizational and managerial barriers, and the level of integration of digital solutions into management practices. Particular attention is paid to the potential of digital technologies such as automated management systems, digital analytics tools, and business process personalization instruments for optimizing internal resources. Based on empirical data and comparative analysis with international practice, recommendations are proposed for building a digital environment that stimulates labor efficiency growth. The findings may be useful in developing sustainable development strategies for small businesses within the digital economy.

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.

The article examines the problems and solutions for the efficient use of household lands. In recent years, improving the efficiency of land use has been called the most pressing problem. In particular, our president is carrying out large-scale work to improve the efficiency of land use in Uzbekistan. Economic analysis of the efficiency of agricultural land use in eliminating food insecurity of the population, research into the problems and creation of a scientific basis for their provision is a requirement of the time.

The article analyzes the importance and prospects of implementing digital technologies in public procurement. It examines opportunities to increase transparency and efficiency of procurement processes, reduce corruption risks, and improve economic performance through modern digital solutions. Existing challenges in Uzbekistan and proposed measures to address them are also discussed.

In recent years, agricultural production has become increasingly challenging due to climate change, land degradation, and environmental pollution. The application of sustainable agricultural practices is viewed as a viable solution to these issues. Calculating the sustainability index of agricultural producers can serve as a useful tool in identifying appropriate solutions. This study develops and applies a methodology for the quantitative assessment of the Sustainable Agriculture Practices (SAP) Index, based on survey data collected from 300 wheat-producing farm enterprises in the Samarkand region. The findings indicate that the average sustainability index among the surveyed farms is 0.34, suggesting that the production practices employed by these farms are characterized by a low level of sustainability.

This article examines the analysis of tax reforms and tax incentives provided to business entities in the Republic of Uzbekistan. The essence of tax incentives and their impact on the country's economy are explored. Special attention is given to the importance of tax incentives in supporting entrepreneurial activities, attracting investments, stimulating innovation, and enhancing export potential. The existing problems in the application of tax incentives are also analyzed, and possible solutions are proposed.

The integration of Artificial Intelligence (AI) into the circular economy offers transformative solutions to the global challenge of waste management. This article explores the role of AI-driven innovations in promoting waste reduction, resource optimization, and sustainability. Through case studies such as AMP Robotics in the U.S. and ZenRobotics in Finland, the study analyzes how AI enhances waste sorting, recycling efficiency, and product lifecycle management. The findings underscore that AI not only contributes to environmental sustainability but also promotes economic opportunities by optimizing resource loops and minimizing waste generation.

This article provides a scientific analysis of the opportunities for the development of domestic tourism in the regions of the Republic of Uzbekistan, available resources, and mechanisms to enhance regional economic and social activity. The study also explores the unique tourism potential of each region, the current state of domestic tourism infrastructure, existing challenges, and proposes relevant solutions. Particular attention is given to the role of domestic tourism in promoting regional stability and socio-economic growth.

Identifying ways to improve corporate culture in joint-stock companies requires close attention to both its advantages and its shortcomings. An effective corporate culture directly influences a company’s operations and long-term prospects. It is one of the key drivers of success and plays a decisive role in maintaining competitive advantage. Corporate culture also affects employees’ moral qualities, commitment, productivity, physical health and emotional well-being within the team. This article analyses the corporate-culture problems typical of joint-stock companies and sets out practical solutions. It considers the importance of culture, its place in corporate activity and its impact on economic indicators. The problems identified include an underdeveloped culture, weak communication among staff, and failure to observe ethical standards and values. Proposed remedies include strategic approaches to shaping culture, regular training and educational programmes, fostering an atmosphere of open dialogue and trust, and developing and implementing codes of ethics. The study offers practical recommendations for improving and effectively managing corporate culture in joint-stock companies.

This article analyzes the development of insurance products in both traditional and digital domains. It discusses traditional products such as OSAGO, Casco, health insurance (DMS), and life insurance, as well as new insurance products created using insurtech, microinsurance, blockchain, and artificial intelligence. The article provides an in-depth analysis of the latest innovations in the insurance industry and their impact on consumers.

This article analyzes the impact and significance of the supply chain in the economy of Uzbekistan. In particular, it examines the role of the logistics system in the national economy, its development trends, as well as existing problems and their solutions. An assessment of the current state of the supply chain infrastructure, government support measures, and recommendations for the development of international logistics networks are provided. According to the research results, to increase the efficiency of the supply chain in Uzbekistan, it is necessary to use digital technologies, improve transport infrastructure, and expand regional cooperation.

Fintech refers to financial technologies used in banking and financial services, including mobile payments, money transfers, loans, and asset management. Fintech startups offer fast, innovative, and convenient services that either compete with or collaborate with traditional banks. In recent years, investments in Fintech have grown rapidly due to its wide applicability. These technologies improve service quality, enhance customer experience, and transform traditional financial systems. Fintech plays a vital role in modern banking by offering digital solutions for both individuals and businesses. This article explores the significance of Fintech and the mutual benefits of bank-Fintech cooperation.

This article critically and analytically examines the institutional foundations of real estate management. The state of development in the industry is analyzed based on conducted research, statistical data, opinions of international and local economists, as well as current trends in practice. Aspects such as ambiguity in the distribution of powers, lack of transparency, weak coordination between institutions, and lack of trust regarding existing problems in the management system are analyzed. Using the example of the E-auction platform, the importance of effective institutional reform is demonstrated, and institutional solutions and recommendations necessary for the sustainable development of the real estate market are developed.

This article examines the factors influencing the development of women's entrepreneurship in Uzbekistan's economy, focusing on their role in the service sector. The paper analyzes the economic and social conditions necessary to promote women's entrepreneurial activities, including education, financial support, and the role of state policies. It explores the position of women entrepreneurs in the service sector and their impact on the economy, highlighting existing challenges and potential solutions to address them.

This article analyzes the current state of corporate financing mechanisms in Uzbekistan, identifies key challenges in the existing system, and proposes possible solutions. Based on international experience, effective financing strategies adapted to the national context are developed. The study suggests building a sustainable financing system through capital diversification, enhancing investor confidence, and improving corporate governance practices.

This article analyzes the current state of investment activity in Uzbekistan's capital market, focusing on existing institutional and financial challenges and potential solutions. Based on international experience, the study examines the investment climate, trading volume dynamics, and the diversification of financial instruments. The findings suggest that enhancing investment activity in the capital market requires the introduction of innovative instruments, the development of digital infrastructure, and the strengthening of investor confidence as key strategic directions.

The article examines the impact of digitalization on business planning in commercial banks. It analyzes artificial intelligence, Big Data, and cloud computing technologies that improve forecasting accuracy. Key digital solutions and their further development prospects in the banking sector are identified.

The rapid advancement of innovative technologies is providing opportunities to organize the processes of training, retraining, and upskilling personnel with novel approaches. Artificial intelligence (AI), considered one of the most effective technologies of the Fourth Industrial Revolution, is fundamentally transforming educational management practices. Particularly, such technologies enable personalized learning tailored to individual needs, offering solutions that meet learners’ requirements on an individual basis. This article analyzes the advanced experiences of foreign countries in continuously developing managerial competencies through adaptive, mass, and electronic education systems, including the use of AI technologies. The research findings highlight the need for digital transformation in the process of developing competencies of managerial personnel working in public service in the Republic of Uzbekistan. It discusses the integration of AI tools into this system, the potential for digital governance, and its economic efficiencies.

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.

The article discusses the main problems faced by young entrepreneurs in the process of digitalization of their business. Both technological and financial barriers are analyzed, including lack of funds for the implementation of new digital solutions and low digital literacy of entrepreneurs. Attention is also focused on socio-cultural barriers associated with changes in organizational culture and the risks associated with the uncertainty of digital transformation. The article also discusses recommendations for overcoming these problems, including the need to create institutional support, develop educational programs and increase the level of financial access. The results of research conducted by scientists, as well as information from organizations supporting the digitalization of small and medium businesses are presented.

The paper analyzes the current state of the service sector in Uzbekistan, its role in the economy and development trends. The main focus is on the structure of the industry, the level of development by region, the impact of digital technologies and support measures provided by the state. It also highlights local features, problems and solutions specific to the service sector. Based on the research results, proposals and recommendations were developed for the further development of the industry.