This article analyzed the composition of deposits in the banking system and their impact on financial stability. It studied how deposits formed by individuals and legal entities cause problems for banks in terms of liquidity, risks, and costs. During the study, the distribution of deposits between state-owned and private banks and their impact on the economy were considered. Practical proposals for sustainable development of the banking sector and effective management of deposit resources were developed in the article.
This article provides a comprehensive analysis of the development trends of electronic money and digital payment systems in the Republic of Uzbekistan, as well as their impact on the national economy. Within the scope of the study, economic, technological, and social factors influencing the growth of electronic money deposits during the period 2017–2024 were examined. In particular, the interrelationships between indicators such as the number of plastic cards, the volume of electronic payment transactions, bank deposits, and the network of payment terminals were assessed using correlation and regression analysis. In addition, the evolution of electronic money, the stages of development of plastic cards and digital payment systems, and their impact on economic efficiency were analyzed. The research results indicate that the reduction of transaction costs, the increase in financial transparency, and the expansion of financial inclusion are the main economic advantages of the electronic payment infrastructure. At the same time, cybersecurity issues associated with the development of digital financial infrastructure, including threats of cyberattacks such as phishing, malware, and DDoS attacks, were also examined. Based on the obtained results, forecast indicators for the development of electronic payments and electronic deposits for the period 2025–2029 were developed. The findings of the study demonstrate that electronic money and digital payment systems play a significant role in increasing economic efficiency, strengthening financial control, and promoting the development of the digital economy. Furthermore, the study substantiates the necessity of improving cybersecurity systems and enhancing the digital literacy of the population in order to ensure the sustainable development of the digital financial infrastructure.
Commercial banks generate resources through passive operations. These resources are primarily created from attracted funds. In our country, commercial banks form the basis of their passive operations' structure through liabilities (loans). However, for accumulating resources, banks find it more convenient to do so through deposits. In this article, we will examine in detail the problems that exist in the process of forming commercial banks' resources through deposits and explore ways to address them.
The results of a study aimed at increasing the attractiveness of population deposits in the Republic of Uzbekistan, strengthening confidence in the banking system and protecting the rights of depositors are presented. The study provides an in-depth analysis of the activities of commercial banks, the legislative framework and international experience. Based on international experience, the deposit guarantee system in countries such as Germany, Singapore and South Korea was compared in accordance with the conditions of Uzbekistan. It was noted that accelerated digitalization processes and automated return systems are of decisive importance in increasing depositors' confidence in the banking system. Based on the results of the study, recommendations were developed such as reducing the deposit repayment period, expanding digital services, increasing the guaranteed limit and developing marketing strategies. These measures create a basis for increasing the stability of the banking system of Uzbekistan and accelerating the process of integration with international financial markets.
In global banking practice, including the banking practice of Uzbekistan, deposits are one of the main types of obligations of commercial banks. Therefore, ensuring the stability of banks’ deposit base is one of the prerequisites for ensuring their liquidity and financial stability. The article identifies current problems associated with attracting deposits and contributions to commercial banks of the republic and develops scientific proposals aimed at solving these problems.
In this scientific article, we have analyzed the resource base of commercial banks according to the form of ownership. We studied commercial banks by dividing them into two groups, namely banks with state ownership and banks without state ownership. According to the results of the analysis, the growth of liabilities in state owned banks was faster than the growth of deposits. This situation indicates that the government provides cheap resources to the state owned banks. On the contrary, the growth of deposits in non-state owned banks was higher than the growth of total liabilities. As a conclusion, we can say that, firstly, the trust of the population in the banking system is increasing, and secondly, the trust in non-state owned banks has increased more than state owned banks in the banking system.
The article analyzes the dynamics of the credit activity of JSCB "Microcreditbank", one of the commercial banks in the national economy, including the volume of loans and their share in the structure of assets, as well as the comparative status of assets and deposits and loans, the structure of loans by sectors of the economy, and the structure of general loans by preferential and commercial loans, as well as by individuals and legal entities, in 2020-2024. At the same time, conclusions are drawn and proposals are developed, having studied the theoretical and methodological aspects of the research direction.
Ushbu maqolada tijorat banklarining depozit va kreditlari YIM ga nisbatan tendensiyasi va maqsadli ko‘rsatkichlar bo‘yicha amaldagi holati tahlil qilingan. Tijorat banklari balansidagi depozit va kredit ko‘rsatkichlari statistik va qiyosiy tahlil qilinib, ularning mutanosibligini ta’minlash orqali bank riskini minimallashtirish bo‘yicha ilmiy takliflar hamda amaliy tavsiyalar shakllantirilgan.
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.
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.
The main aim of the study is to investigate the impact of inflation targeting (IT) strategy in Turkey during 2002-2022, which was adopted in a three-year period of 2002-2004, on macroeconomic performance (actual inflation, exchange and interest rates) and economic growth of Turkey (in terms of the real GDP). The econometric and empirical investigation of this research focusing on the impact of inflation targeting on the selected macroeconomic variables were carried out by the linear squares method (LSM) regression taking the data of the period after implementation of the monetary policy. At this, the independent variable of inflation targeting was estimated against each chosen macroeconomic variable separately in four different models to catch its linear impact on the changes of these variables over the period after implementation of the strategy. The empirical outcomes demonstrated that inflation targeting monetary policy is strong enough to impact the macroeconomic performance of Turkey in terms of reducing inflation rates, boosting economy by pushing real GDP to grow, stabilize exchange rates and lower the nominal interest rates on deposits.
This article presents scientific comments on the research of Muslim economists on the influence of Islamic banks on the economic growth of the country. It is dedicated to reflecting the factors of sustainable development of Islamic banks in 2021-2022 and the pace of change. The position of Islamic banks in different regions of the world is analyzed. The reasons for the changes are indicated and explained. The effectiveness of changes in legislation on the creation of Islamic banks in the leading countries of the world has been studied.
This article analyzes the directions of increasing economic efficiency by transforming Joint Stock Companies. The indicators of economic efficiency were explained by the growth of bank assets, population deposits and loan investments
