Prospects for improving the efficiency of deposit operations in commercial banks

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