Prospects for improving the efficiency of deposit operations in commercial banks

Olimov , Abror

Муҳандислик ва Иқтисодиёт · 2025-yil

Annotatsiya

Deposit operations represent a foundational element of commercial banking, directlyinfluencing liquidity, financial intermediation, and economic development. In Uzbekistan, ongoingbanking reforms and digital transformation have created opportunities and challenges for enhancingthe efficiency of deposit mobilization. This article examines the structural trends, performanceindicators, and regulatory frameworks shaping deposit operations in Uzbek commercial banks.Using statistical analysis of 2019–2024 data and comparative benchmarking with peer economies,the study identifies key inefficiencies and growth potential in retail and corporate deposits. Strategicrecommendations are proposed to improve product innovation, customer trust, and interest ratecompetitiveness, thereby increasing deposit volumes and reducing operational risks

Maqola ma’lumotlari
MualliflarOlimov , Abror
JurnalМуҳандислик ва Иқтисодиёт
NashriyotПлеханов номидаги Россия иқтисодиёти университетининг Тошкент шаҳридаги филиали
ISSN3060-463X, 3060-463X
Nashr sanasi2025-05-01
Jild3
Son5
TilIngliz
Ilmiy sohaIqtisodiyot
Indeksga qo‘shilgan2026-08-26

Maqolaning asl sahifasi

Kalit so‘zlar

deposit mobilization, commercial banks, banking efficiency, Uzbekistan, interest rates, financial intermediation, liquidity management

Ilmiy soha

Iqtisodiyot

Iqtibos keltirish

APAOlimov , Abror (2025). Prospects for improving the efficiency of deposit operations in commercial banks. Муҳандислик ва Иқтисодиёт, 3(5). https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/636
GOST (OAK)Olimov , Abror Prospects for improving the efficiency of deposit operations in commercial banks // Муҳандислик ва Иқтисодиёт. – 2025. – T. 3, № 5.
MLAOlimov , Abror. “Prospects for improving the efficiency of deposit operations in commercial banks.” Муҳандислик ва Иқтисодиёт, 3(5), 2025. https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/636
ChicagoOlimov , Abror. “Prospects for improving the efficiency of deposit operations in commercial banks.” Муҳандислик ва Иқтисодиёт, 3(5) (2025). https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/636
HarvardOlimov , Abror (2025) ‘Prospects for improving the efficiency of deposit operations in commercial banks’, Муҳандислик ва Иқтисодиёт, 3(5). https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/636
BibTeX
@article{olimovabror2025,
  title = {Prospects for improving the efficiency of deposit operations in commercial banks},
  author = {Olimov , Abror},
  journal = {Муҳандислик ва Иқтисодиёт},
  year = {2025},
  volume = {3},
  number = {5},
  url = {https://muhandislik-iqtisodiyot.uz/index.php/journal/article/view/636}
}

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