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.

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 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

This article examines the issues of implementing financial technologies in the activities of commercial banks. It analyzes the areas of banking in which modern financial technologies are used. Based on the research conducted, practical proposals and scientific recommendations were developed.

Ensuring the stability of the banking system, being an important factor in ensuring their solvency, is a necessary condition for ensuring the continuity of payments made in the country's economy. Therefore, ensuring the stability of the banking system is one of the main tasks of banking supervision. The article identifies urgent problems related to ensuring the stability of the banking system of the Republic of Uzbekistan and develops scientific proposals aimed at solving them.

The article presents the problems and situations in which loans and their interest rates are provided by commercial banks of the Republic of Uzbekistan, as well as the income of the population. The essence of the current legal acts on loans and the current content is revealed.

Currently, the issues of improving the financial planning system, which is the main functional element of financial management, are widely studied all over the world. In particular, in the context of a global pandemic, targeted research is being conducted on the formation of a financial planning system capable of quickly adapting to changing conditions in foreign markets and its perfect model in combination with strategic plans. Also, one of the main functional elements of financial management is focused on improving the organizational architecture of financial diagnostics, which embodies a wide range of indicators for a comprehensive assessment of financial and economic activities of companies.