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ISSN: 2692-5206, Impact Factor: 12,23
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WAYS TO IMPROVE THE FORMATION AND MANAGEMENT OF THE DEPOSIT
BASE OF COMMERCIAL BANKS
Umirzakova Shahsanam Farhodovna
Samarkand economics and service institute doctoral student
Abstract:
This article today's that day world finance system and economic progress banking
and financial processes institutions role, commercial banks deposit base their main financial
funds, commercial banks deposit base formation and manage improvement in accordance with
theoretical basis coverage, current situation analysis to do and modern approaches based on
improving the way working Exit in particular the word goes.
Keywords :
deposit, bank
,
finance, commerce banks, financial funds, Keynes, Schumpeter,
Friedman, Markowitz , resources.
ENTRANCE
Today that day world finance system and economic progress banking and financial processes
institutions role more and more increases continues. Especially commercial banks country
internal economic stability, financial intermediation provide and investments environment
information main of institutions one is considered. Their effective activity not only financial
resources collect and redirect, perhaps population and entrepreneurship items trust to win, their
economic to activity attraction grow tool is also important as importance profession will reach.
In particular, trade banks deposit base their main financial foundation organization makes.
Deposit funds size and composition of banks liquidity, solvency right to receive credit
opportunities and general financial to stability directly influence shows. Therefore deposit base
formation and he / she effective management each what type of banking activity strategic
priority of directions one is considered.
Uzbekistan Republic President under the leadership take ongoing economic reforms, especially
banking and finance sector liberalization and competitiveness increase in accordance with the
appointed measures deposit policy fundamentally again seeing the exit, available problems
definition and their modern approaches based on the decision to make the requirement makes.
The population increases the going income, entrepreneurship subjects activity expanding also
increases, and banking services was to require to increase in the background deposit base to
develop prospects expands. With this together, in practice this concerning one row of problems
is available: banks between strong competition, interest rates imbalance of population trust
enough financial low literacy level to be such as factors deposit funds attraction in this obstacle
occurs situations to the essence enters. This problem solution to grow and deep scientific and
analytical approach and modern management mechanisms current is required.
In this case, this scientific article main objective is commercial banks deposit base formation
and management improvement according to theoretical basis coverage, current situation
analysis to do and modern approaches based on improvement way
working with output
INTERNATIONAL JOURNAL OF ARTIFICIAL INTELLIGENCE
ISSN: 2692-5206, Impact Factor: 12,23
American Academic publishers, volume 05, issue 04,2025
Journal:
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page 489
consists of. This to the goal to achieve for the following main task by assigning received: first,
deposit base economic entity and his/her commerce banks in the activity instead of determine;
secondly, Uzbekistan commerce in banks deposit policy current status analysis to do; thirdly,
there are problems definition and their causes on the surface deep analysis transmission; fourth,
advanced international experiments based on deposit base management innovative methods
proposal to grow; and finally, fifth, deposit policy improvement according to clear, practical
importance has was proposal and recommendations working output
The study of the theoretical basis of the deposit base and banking resources with the associated
was the economic concept, classic and modern banking theories, liquidity and financial stability
concept organization will achieve. In particular, such as Keynes, Schumpeter, Friedman,
Markowitz famous economists in his works financial resources efficient distribution and
economic confidence environment creation of the banking system to stability the main factor as
can be seen. Also, international financial institutions - International currency such as the IMF,
World Bank, Bank for International Settlements organizations to the announcement made
recommendations and statistics information research theoretical and empirical basis enriches.
Practical from the point of view and this article Uzbekistan Republic commerce real activity of
banks, statistics of the Central Bank, available regulatory documents, analytical reports and
banking experts on your comments is based on. In the study banks in the activity of modern
problems analysis will be made deposit policy itself typical aspects are determined and modern
financial management technology application is assessed. Thanks to this deposit base formation
and manage improvement for scientific based on practice application possible was mechanisms
working released.
To study the object as commerce banks financial resources system, in particular, deposit funds
attraction to do and their management activity is studied. To study the subject and directly
deposit base formation and manage influence of the actor internal and external factors, strategic
approaches, management methods and their improvement from opportunities consists of. Banks
in the activity of financial stability, clients trust to provide and competitiveness in increasing
deposit policy caught place this research in the center is worth it.
METHODOLOGY
Commercial banks financial stability and activity efficiency in providing deposit base important
place occupies. Deposits are part of banking resources. the main source to invest, lend , invest
money financing and other banking operations made to increase for the necessary was liquidity
forms. Banks activity main indicators - reliability, solvency competence and usefulness level
many in terms of deposit base size, composition and to stability related Especially today
economic changes under these circumstances banks clients trust winning, competitive services
show and deposit portfolio diversification do through own positions to strengthen seeks.
Therefore, this is in the department of commerce in banks deposit base economic essence of
this function and in the banking system strategic importance analysis will be done.
Deposit base commerce bank main financial from resources one This is banking activity.
continuity, liquidity and profitability provides. In the banking system, "deposit " "basic"
concept for clients - individuals and legal entities to the bank temporarily use for submitted
cash and non-cash payments money funds assembly understood. This means the bank attraction
to be made the most stable and cheapest resource source is considered. Deposit base bank
financial potential representative important indicator This is banking activity. main directions -
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ISSN: 2692-5206, Impact Factor: 12,23
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lending, investment transactions, payments services show and other financial services financial
basis as a service does.
Deposits are usually their term, purpose and clients in the category looking at classified.
Accordingly, commercial banks deposit base the following main structural of the parts consists
of: firstly, demanding removable deposits (or application based on accounts) - these are clients
to desired at the time to undress to be taken possible was funds are, they are usually current on
accounts stored and bank high interest with not rewarded; secondly, term deposits are known
one for a certain period of time placed funds are, their deadline until it ends until undress is not
available or when untied appointed in conditions from interest deprived divided; thirdly, fund
deposits - the population to far term savings for this purpose to be placed and relatively high
percentage deposit types own inside accepts; fourth, legal entities deposits are enterprises and
organizations to be placed operational and investment funds are, their size is usually large will.
Deposit base structural structure bank general financial to strategy and market to conditions
related without is formed. Stable and diversified deposit base in bank far term financial stability
provision, credit policy expansion and risks reduce opportunity gives. With this together,
deposits in accordance with percentage rates, inflation level, clients confidence level and
financial literacy also base size and to the composition directly influence shows. So make a
deposit base not only banking resources source, perhaps their financial stability providing an
important tool also separately place occupies.
Commercial in banks deposits clients economic activity and to needs looking at different in
forms there are they are usually physical and legal individuals to wearable funds as classified .
Physical individuals deposits banks for the most stable and reliable financial source is
considered because their number is small although , in terms of numbers a lot because of the
bank liquidity supplier stable flow yield makes . This in category deposits usually term deposit
and demanding removable in forms clients for interest rates and comfortable conditions based
on the offer is made . Population in the middle of a wide widespread savings and term deposits ,
especially trust level high was in banks far term financial resources formation provides .
Legal entities, that is, enterprises and organizations to portable deposits and usually large in size
has they have operational or investment needs cover for this purpose in banks is stored. This
means, especially the application is based on opened on accounts short term turn has for the
bank relatively less stability profession although they are based on various payment operations
made increases. Large enterprises to term deposits in the form of placed funds and for the bank
useful they have high interest in response attraction will be made and strategic investment
resources as used.
So physically and legally individuals deposits to themselves typical to features has to be,
commerce banks financial in strategy important place occupies. Banks each individual approach
with two segments based on productivity necessary this their resource base diversification to do
service does.
RESULTS
Commercial banks deposit base formation and management in the field of international
experience important importance has . Developed countries banks to used progressive practices
Banking system of Uzbekistan for useful to be possible . Below international experience based
on one how many offers are brought .
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ISSN: 2692-5206, Impact Factor: 12,23
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Firstly,
digital banking services to develop
necessary. Many developed in the countries banks
for customers 24/7 service show opportunity giver mobile applications and internet banking
systems current reached. These services create convenience for customers and bank operational
efficiency increases. Digital banking services are also available in Uzbekistan expansion
through customers number to increase and their loyalty reinforcement possible.
Secondly,
clients loyalty to increase programs current grow
important. International banks
clients various bonuses, discounts and cashback - services offer will reach. Thanks to this,
clients of banking services are more encouraged to use. Uzbekistan banks are also clients needs
learn from them suitable loyalty programs working speeches necessary.
Thirdly,
the interest rate optimization
need. Developed in the countries banks interest rate in
the marking inflation level, the Central Bank main rate and market conditions in the account
takes. Interest in Uzbekistan also has rates in the marking this factors in consideration to receive,
Also, customer segmentation based approach application recommendation is done.
Fourthly , financial
literacy should be increased
necessary . International in experience banks
clients financial knowledge increase big attention looks at . Thanks to this clients of banking
services correctly use learns and with the bank far term cooperation continue will bring .
Finance in Uzbekistan also literacy increase in accordance with propaganda their work
reinforcement necessary .
Fifthly ,
clients. needs research and analysis do
important . International banks clients
behavior analysis to do through them suitable services and products offer will reach . Clients in
Uzbekistan also need deep research and them suitable services working Exit banking services
through quality increase possible .
Sixth,
innovation. technologies current grow
need. Developed in the countries banks artificial
intelligence, blockchain and other progressive technologies current grow through services
quality increases. Innovations and in Uzbekistan technologies in banking services current grow
through customers convenience to create and bank competitiveness to increase possible.
Seventh,
regulating environment improvement
necessary. International in experience
regulating environment banks activity supports and their innovative services current achieve
help gives. Regulation in Uzbekistan also environment simplification and banks activity
encouragement banking system through develop possible.
DISCUSSION
Commercial banks activity efficiency determinant main indicators liquidity and profitability.
These two factors directly bank deposit on base related to be, their each other balance bank
financial stability provides. Deposits for bank main financing source as service makes and
attraction made funds size how much? large and stable If so, then the bank itself activity so
much wide and reliable in essence to conduct possible It will be. Deposit base size and
composition bank short term obligations to perform ability is liquidity noticeable at the level
influence shows. For example, by requesting a removable deposit high share of bank liquidity
increases, because this funds permanent accordingly in circulation will be and immediately with
payments for use possible. However, this in case of bank benefit to take the level will be
relatively low, because such deposits usually low interest rates with attraction will be made.
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ISSN: 2692-5206, Impact Factor: 12,23
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On the contrary, the term deposits for the bank relatively stable financial source to be, they far
term to assets direction opportunity gives, this and bank profitability increases. With this
together, deposits for payable interest rates and they with the associated operating costs
profitability negative impact show possible. That is why for banks deposits composition
optimization, that is, liquidity and profitability in the middle balance find through financial
from resources effective use seeks.
Deposit base diversification and banking liquidity and profitability positive impact shows.
Customers of different categories (physical and legal individuals, small businesses, large
enterprises) collect funds to be done through banking risks reduces and resource base stability
provides. From this in addition, a stable deposit flow is banks more investments and credit
operations made to increase takes, this and their profitability increases. Thus, deposit base
effective formation and management of banks financial health and far term in the development
of a decision figure importance has.
Commercial in banks deposit base formation exercise their financial stability, lending
opportunities and competitiveness determinant important of processes one. Deposits size
increase, their composition diversification to do and clients loyalty to provide banks main
strategic goals to the essence includes. In Uzbekistan last banking and finance in years in the
system to take ongoing reforms as a result this concerning positive changes are observed
although in practice a number of systematic problems still at the moment remains. Deposits
composition imbalance population confidence with related problems, competition aggravation
and percentage of policy consistent not being this about the main This is one of the obstacles.
This in the department Uzbekistan commerce in banks deposit base formation exercise analysis
will be done and there are problems and their brought issuer factors deep is studied .
Uzbekistan Republic commerce banks deposit base country financial system stability and in
development important place is held. As of January 1, 2024, according to data, commercial
banks total deposits 241.687 trillion soums organization achieved this indicator banks credit
opportunities and liquidity level determinant main from factors one.
Deposits composition from the point of view of physically individuals to placed funds 86.345
trillion soums, legal entities individuals deposits and 155.342 trillion soums the organization
reached. This total .
deposits suitable 35.7% and 64.3% respectively organization makes .
This information banks resource based on legal individuals deposits advantage shows that and
corporate clients in the banking system participation is high which means .
Banks in the analysis section when the state
share there are banks total deposits 124.358
trillion sum organization is
total 51.5% of deposits organization makes. In particular,
"Uzmilliybank " 32.920 trillion soums, "Uzsanoatkurilishbank " 13.799 trillion sums . and
"Agrobank " 15.389 trillion sums to deposits has. These banks deposit portfolio is mainly large
corporate clients and the state of the organization with work direction shows.
Other commercial banks, including "Capital Bank" 30.102 trillion soums, "Mortgage Bank"
17.773 trillion sums and "Khamkorbank " 7.971 trillion sums to deposits has. These banks are
mainly private sector and small and medium business subjects with active it works, this and
their deposit base diversified shows.
Deposits duration according to the analysis this showed , that, requiring removable deposits and
short term deposits of banks liquidity level in providing an important role plays. However, the
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ISSN: 2692-5206, Impact Factor: 12,23
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page 493
long term deposits share is relatively low, this is banks long term investment projects financing
opportunities limits. Therefore , commercial banks far term deposits attraction do strategies
improve need feels .
Also, deposits in accordance with the interest rate is also an important factor is considered.
Banks between competition as a result of interest rates different this clients deposit put to
their decisions influence makes. Interest rates stability and attractiveness of clients in banks was
to trust in increasing an important role plays.
Uzbekistan Republic Commerce banks deposit base size and in the composition of the last in
years noticeable changes are observed. As of January 1, 2025, according to data, commercial
banks total deposits 308.69 trillion soums organization reached. This data is as of the beginning
of 2024. Growth by 27.6% compared to means. Deposits in the composition of physical
individuals to placed funds 122.42 trillion soums, legal entities deposits and 186.27 trillion
soums organization reached. This is a total of .
deposits suitable 39.7% and 60.3%,
respectively, the organization makes.
Deposits duration according to the analysis this shows that before the demand was deposits
volume 99.1 trillion sum arrived. This is a total of 32.1% of deposits the organization will reach.
From 181 days to 365 days was term deposits 46.26 trillion sums, from 31 to 180 days was
deposits 32.31 trillion sums the organization reached. From 1 day to 30 days was short term
deposits size and 11.66 trillion sums the organization reached. Also, one year in love term
deposits 119.36 trillion sum organization reached.
Banks in the analysis section At the same time, the National Bank of Uzbekistan 36.84 trillion
soums, Kapitalbank 36.66 trillion soums, Ipoteka-bank 25.69 trillion soums, Uzpromstroibank
has 20.74 trillion soums and Agrobank has 19.47 trillion soums in deposits .
This change banks resource base consolidation , credit opportunities expansion and financial
stability in providing important importance profession will reach . However , deposits in the
content imbalance , that is legal individuals deposits advantage , banks for liquidity risks
increase possible . Therefore , commercial banks physical individuals deposits attraction to do
strategies improvement , long term deposits encouragement and customers trust to increase in
accordance with the measures made increases necessary .
Current that day In the banking system of Uzbekistan competition to increase banks activity all
in such areas as deposits also on the market impact show. Banks deposit funds attraction to
do in accordance with each other competes, this and interest rates volatility, services quality
increase, marketing strategies active application such as situations on the surface brings. With
this together, clients attraction to do in the process banks one row to problems face go. These
problems various internal and external factors with related banks deposit policy information to
difficulties take goes.
First of all, on the market activity running banks number increases progress and their service
show opportunities expansion competition environment sharpened. Each bank has its own
client not to lose and new defenders attraction grow for high percentage rates, convenient
conditions, bonus systems and loyalty of the program offer makes. As a result, some in cases
banks economic from the point of view unreasonable percentage policy to conduct forced This
happens. and their profitability negative impact makes.
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Secondly , customers, especially individuals to financial literacy level is low, banking services
and their conditions about enough for information has not being because of them deposit
decisions information uncertainty on the surface goes. Most people customers still traditional
vault to their styles relies on or cash in the bank from sending caution It will be. This situation
is especially regional and village in the regions obvious to the eye is thrown out.
Also, customers in the bank was confidence level is also an important factor is considered.
Some in cases banks in the activities of transparency shortage, services quality low, customers
relatively slow attitude, the decision to find a circle of bureaucratic obstacles existence
customers flow reduces. Especially digital technology current grow in the process of some
banks enough technician to prepare has not being due to modern customers needs full satisfy
can not.
Commercial banks deposit base country financial system stability and in development
important place holds. Deposits size and to composition various factors influence show,
including inflation level, population access to banking system was confidence, macroeconomic
stability, fiscal and monetary policy, and digital technologies current grow level. These factors
each other related banks resource base formation and to stability noticeable influence shows.
Inflation level deposit base in the formation of the main from factors one is considered. In
March 2025 In Uzbekistan annual inflation rate of 10.3% organization reached. This figure is
relevant for December 2024. 9.8% per month with the level of high prices level increase means.
Inflation is high at the level of being to real incomes of the population negative influence shows
and their savings opportunities limits. As a result, banks wearable deposits size decreases or
short term to deposits Demand for it increases, which and banks for resources stability reduces.
Fiscal and monetary policy and banks deposit base to the formation of the influence shows.
Central Bank
appointed the main rate, mandatory reserve ratio and other monetary
instruments banks to offer achievable interest to rates influence makes. Beginning of 2025 the
Central Bank is the main rate of 14% noted, this and banks to offer achievable deposit interest
rates increase take came. High interest rates population to deposits was interest increases, but
inflation level higher real interest rate reduce interest rates
take it comes, this and savings
motivation reduces.
Digital technology current grow level also banks deposit base to formation influence shows.
Internet banking services, mobile applications, digital payment systems and other innovative
solutions to banking services for the population was the entrance of opportunities is expanding
and their in banks was trust increases. Last in years In Uzbekistan digital banking services
intensively develops, this and banks deposit base size increase service does. However, digital
technologies are currently growing at a different level in different regions , and some banking
services in the regions use a low level of borrowing .
Commercial banks stable development, their credit potential and financial reliability much in
terms of deposit base size, composition and quality depends on. Deposit funds commerce banks
for the most important and relatively cheap resource source to be, their correctly management
bank general financial status by appointment gives. Thus, deposit base effective management
today's banking system before standing the most important strategic of the tasks one is
considered. In the market strong competition, customers demand volatility, inflation risks,
financial technology development and customers confidence level relatively low such as factors
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from banks deposit policy again seeing the Output and he / she modern management
approaches based on requires improvement.
Deposit base management means bank resources to form their diversification to do , interest
policy optimization , customers segmentation based on services display , marketing and
communication strategies current grow and customers with long term reliable relationships to
develop aimed at complex measures understood . In this regard, banks not only have deposits to
keep remain , there may be new defenders attraction to them , needs analysis to do and digital
services through customers experience to improve the aspirations necessary .
Commercial banks successful activity and stable development clients needs deep research and
them suitable innovative services current grow with closely It depends . Today banking services
during the day market fast to changes clients come and further conveniently , quickly and
personalized to services need feels . So under these circumstances banks for clients needs to
identify them to satisfy aimed at strategies working Exit and innovative services through
competitiveness to increase current to the essence has become . Clients needs research banks
for strategic importance has . This process through banks clients financial behavior , advantages
and problems them suitable services and products offer to grow to opportunities has They will
be . Clients training needs
basic methods in accordance with the questionnaire, interviews,
focus groups, customer behavior analysis and digital footprints research are included. These
methods through banks customer segmentation made increases, each individual approaches for
the segment working they come out.
Innovative services current grow and banks competitiveness increase and customers base in
expansion important role plays. Latest in years digital technologies development of banking
services new on the scene take It came out. For example, mobile applications, Internet banking,
remote services, artificial intelligence based on advice services and other innovative solutions
for customers 24/7 service show opportunity gives. This
customers for convenience create
them in the bank was trust increases. Trade in Uzbekistan also banks innovative services
current grow in accordance with active work take continues. For example, the system "Digital
banking" through clients own calculations day and night increase to the possibility has is
common. This system clients of the banking institution go Arrival excess time and costs saving
opportunity gives. Also, remote banking services through clients own financial operations
desired from the place of management to the possibility has is common.
Innovative services current in the process of banks for one row important factors in
consideration take necessary . Firstly , services clients to needs suitable be need . Secondly ,
services safe and reliable be necessary . Thirdly , services comfortable and user for
understandable to the interface has be necessary . Fourthly , services constant accordingly
updated , clients feedback based on improvement go need .
Commercial banks in the activities of deposits in accordance with the interest rate designation
and their optimization strategic importance has been an important of the problems one. Interest
rates banks for deposits attraction in this main tool to be service does. Therefore rates correctly
be determined bank liquidity, profitability and competitiveness directly influence shows.
Interest rate optimization means bank resources cheap, stable and sufficient in volume
attraction to do supplier, this with together bank reduce costs to a minimum keep standing rates
policy formation understood. Deposit rates in marking first in accordance with the market
macroeconomic situation, that is, inflation level, Central Bank main rate, money and credit
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policy general direction taken into account. For example, inflation. level high was real interest
rate in the environment rates keep remain for nominal interest rate banks increase forced They
will. Otherwise, deposits will not bring real income. does not bring and clients funds from the
bank other financial to instruments directions possible. Therefore, inflation and the main rate
dynamics deposit policy in the formation of the decision actor factor is considered. Interest
rates in marking also, banks between competition level important role plays. Clients for high
interest deposits attractive seems, it is all because of banks deposits flow keep remain or he /
she increase for each other with rates through competes. However, the interest rate is too
outside higher for the bank big on expenses to take it comes, this and profitability negative
influence makes. Therefore, banks
competition environment in consideration received
without, rates strategic accordingly manage they strive. Many in cases banks segment
customers based on the interest rate policy they run, that is, a large deposit to owners or far term
to deposits relatively relatively higher interest offer will be made.
Deposit rates optimality bank financial It also depends on the situation. Financial low stability
banks more client attraction grow for this purpose interest rates artificial accordingly increase
possible, this and far during the period risks strengthens. On the contrary, stable and reliable
banks relatively low interest rates deposit in exchange attraction to do to the opportunity has
They will be . That is why for the reputation of the bank , audit results , credit portfolio quality
and financial statements rates in the designation of important factors is considered . Interest
policy in optimization international practice to contact It is also important to do . Many
developed in countries interest rates market demand and supply is based on formed , banks and
customers not only interest income , possibly additional services , loyalty programs , online
services and other convenience through competitiveness provides . This approach is gradually
and in Uzbekistan the current is done . Digital banking services expansion , remote banking
operations development is also interest policy information new criteria to the surface brings .
Commercial banks stable development and competitiveness important from factors one is
clients loyalty is to provide. Financial services market is becoming more and more complex
would go yes, banks not only new clients attraction to do, maybe there are clients keep stay in
your bank far term and reliable their relations develop on active work take they go necessary It
will be. Clients Loyalty is an advantage of banking services usual use them to others
recommendation to do and competitor offers to be
regardless of whether, with the bank
cooperation continue to continue readiness level. Therefore, loyalty increase strategies,
including bonuses, discounts and loyalty programs in the current banking practice an important
place occupies. Customers loyalty increase strategies, first of all, in turn, customers needs and
behavior deep analysis to do based on. Each customer segment itself typical to the features has
it was Therefore the approach should also be individual. necessary . In this regard, many
commercial banks loyal customers for special incentive programs, namely loyalty programs
working out. These programs through banking products for customers to use for collection
points, free services, exclusive offers or cashback ( money return ) options are presented is
done .
Loyalty programs main goal is to help the client to use banking products. more and regular use
is an encouragement. For example, some banks credit cards through each one purchase for
gives points to the client and these points are collected, then other financial services, discounts
or for gifts replacement is possible. This type of system with the bank at the client active
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financial in touch to be motivation increases. Also mobile banking applications through loyal
customers special in terms of loans, deposits or currency transactions offer to do through their
loyalty strengthens.
CONCLUSION
Commercial banks financial stability and far term development in providing deposit base
separately place is kept. Deposits banks for the main resource source are calculated, they are
lending, investment activity expansion, liquidity save remain and pay competence in providing
decision figure importance profession will reach. This scientific work within commerce banks
deposit base economic essence of this main structural parts, current status and related problems,
as well as management improve aimed at strategic approaches complex in some way analysis
was made.
First of all, deposit base to the concept of accuracy entered and its banking resource in the
system place open was given. Deposits physical and legal individuals to temporarily in the bank
confidence is based on be transferred financial funds they demanded payable, term and savings
in forms is to be possible. This kind of means structural diversification for the bank risks
reduction, financial stability reinforcement and far term strategy made to increase the
opportunity gives. Deposit base composition how much? stable and balanced If so, then the
bank itself activity so many effective can organize.
Explore within Uzbekistan commerce banks current deposit policy status statistics information
based on analysis was done. The information obtained this showed that the last in years banks
to attraction made deposits by size stable growth is being monitored. But this growth is mainly
legal individuals to deposits correctly coming, physical individuals share relatively low remains.
This situation banks resource base to stability negative impact show
possible because large
legal clients often short term operational needs based on They invest money. So that the
population deposits multiply their far term to deposits attraction banking policy priority in the
direction of rotation necessary.
Banks deposits information competition increase, inflation level relatively high, financial
literacy is not enough, trust problems and digital from services in use restrictions such as one
row to problems person goes. In particular, banks in the middle of the interest rate is based on
competition sometimes economic in terms of unreasonable proposals appearance be
take
goes. Such approaches short term benefit give possible, but far during the period of banks
profitability reduces, resources to efficiency negative impact makes.
Deposit base manage improvement according to proposals working on the output one how
much priority directions clearly received . First of all , customers need deep research and their
to their behavior suitable services working Output necessary . Each customer segment for a
separate approach based on deposit types , interest policy and bonus systems working Output
necessary . Competitive interest rates , personalization marketing , loyalty programs , remote
services through the service show - these all customers loyalty increase service does .
Also, digital banking services expansion through the population, especially the edge in the
regions resident citizens to banking services attraction make the possibility of the emergence of
This will be. Mobile applications, Internet banking, online deposits, automated services such as
technological solutions through deposit attraction make mechanisms optimization possible.
With this together, digital services security, reliability and use convenience provision necessary.
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page 498
Interest rate in optimization and on the market inflation environment , the Central Bank base
rate and the population expected profitability level in consideration to be taken need . Banks
investments and liquidity between balance found without , interest rate policy different on
segments adapted without their behavior necessary . Also , long term deposits attraction to
make bonus rates , additional services or privileged offers offer to be possible .
Customer loyalty in increasing international experience based on loyalty program, cashback
services , recommendations through encouragement such as mechanisms are very useful. Bank
Oz
client not only financial service to show, can be his/her daily reliable in their needs
partner as a manifestation of being need. Especially devoted to clients separately advantages,
services priority and personal approach through loyalty level increase possible.
This research within the progressive international experience was also acquired . Many
developed in the countries of banks clients to needs based, digital and interactive services
through deposit base is expanding. Financial literacy increase, transparent and fair interest rate
policy management, clients with two-way reliable communication installation, innovative
technologies active current do – these international in practice efficiency is proven there are
approaches.
Uzbekistan commerce banks deposit base formation and in management effective working
strategy working exit there is financial stability and economic growth necessary is a condition.
Deposit base in strengthening balanced percentage policy, clients directed approach,
technological news and international from experience corresponding to use separately place is
kept. Therefore banks own strategies far term and stable resources to form concentrated without
improvement, market to needs flexible approaches applications necessary. Client with reliable,
constant and two-sided profitable connection on the road bank - deposits base in expansion and
he / she effective in management always in favor has It will be.
Used literature:
1. Abdurakhmanov K. T., Islomov B.I.Bank Job basics . – T .: "Science and Technology",
2021.
2. Sharipov B. H. Banking Marketing . - T .: Economy-Finance, 2020.
3. Mirzaev M. M. Commercial banks and their activity . – T .: Economy, 2019.
4. Zhumaev A. J., Yusupov M. Banks and the financial market . – T .: "ECONOMY", 2020.
5. Mishkin F.S. Economics of Money, Banking, and Financial Markets . – Pearson Education,
2022.
6. Rose P.S., Hudgins S.C., Bank Management and Financial Services . – McGraw-Hill
Education, 2018.
7. Gup B.E., Kolari J.V. Commercial Banking: Risk Management . – Wiley, 2017.
8. Saunders A., Cornett M. Governance of Financial Institutions: A Risk Management
Approach . – McGraw-Hill, 2020.
9. Claessens S., Laeven L. Competition in the financial sector and credit growth . - Journal of
Financial Economics, 2005.
INTERNATIONAL JOURNAL OF ARTIFICIAL INTELLIGENCE
ISSN: 2692-5206, Impact Factor: 12,23
American Academic publishers, volume 05, issue 04,2025
Journal:
https://www.academicpublishers.org/journals/index.php/ijai
page 499
10. Berger A., Molyneux P., Wilson J. The Oxford Handbook of Banking . - Oxford University
Press, 2019.
11. Levin R. Financial Development and Economic Growth: Views and Agenda . - Journal of
Economic Literature, 1997.
12. Demin E.V. Banking management . - M.: Yurait , 2021.
13. Internet sources:
14.
– Uzbekistan Republic Central Bank official website (statistics ) information
and analytical comments) .
15.
– Uzbekistan State Statistics Committee of the Republic.
16.
– Bank and finance to news related current data.
17.
– World Bank reports and international experience in the banking
sector.
18.
– International Currency Fund Uzbekistan in accordance with the comments .
19.
for International Settlements (experience and standards).
20.
– Banks credit rating and financial analysis.
