EXPANSION OF FINANCIAL SOURCES OF COMMERCIAL BANKS
DOI:
https://doi.org/10.5281/zenodo.22269702Abstract
The expansion of financial resources of commercial banks in the Republic of Uzbekistan is
examined through an analysis of their deposit base. Deposits of individuals and legal entities are assessed as
an important component of banks’ resource potential, with particular attention to their role in determining the
capacity of banks to finance the real sector of the economy. Using statistical data on deposits denominated in the
national currency by depositor category and maturity for 2020–2025, the dynamics and structural composition
of the resource base are analyzed. The findings indicate that the total volume of deposits increased more
than fourfold, while deposits of individuals grew at a faster rate, raising their share of total deposits from 13%
to 25%. The predominance of demand deposits in the deposit structure is identified as one of the factors
constraining long-term lending opportunities. Based on the results, conclusions are formulated regarding the
need to diversify financial sources and increase the share of term deposits to strengthen the resource base of
commercial banks.
Keywords
commercial banks, financial resources, deposits, resource base, attracted funds, term deposits, demand deposits, diversification, credit potential, banking resources.References
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