Ways and Prospects for Improving the Formation of the Deposit Base of Commercial Banks

This study examines the formation and improvement of the deposit base of commercial banks in Uzbekistan under current economic transformation. The aim is to analyze the theoretical foundations of deposit base formation, identify existing challenges, and evaluate international experiences for their applicability in Uzbekistan. The research applies analytical, comparative, and empirical methods to assess the current state of deposit mobilization, relying on statistical data from the Central Bank, international reports, and advanced banking practices from the USA, Germany, and South Korea. The findings reveal that despite notable growth in deposit volumes, Uzbekistan’s banking sector still faces challenges such as the dominance of short-term deposits, limited financial literacy, and insufficiently developed deposit insurance mechanisms. International experience highlights that well-structured deposit insurance, diversified deposit products, and the use of digital banking tools can significantly increase depositor confidence and resource stability.