Prospects for improving the efficiency of deposit operations in commercial banks
DOI:
https://doi.org/10.5281/zenodo.15510087Keywords:
deposit mobilization, commercial banks, banking efficiency, Uzbekistan, interest rates, financial intermediation, liquidity managementAbstract
Deposit operations represent a foundational element of commercial banking, directly
influencing liquidity, financial intermediation, and economic development. In Uzbekistan, ongoing
banking reforms and digital transformation have created opportunities and challenges for enhancing
the efficiency of deposit mobilization. This article examines the structural trends, performance
indicators, 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. Strategic
recommendations are proposed to improve product innovation, customer trust, and interest rate
competitiveness, thereby increasing deposit volumes and reducing operational risks
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