IMPROVEMENT OF DEPOSIT POLICY EFFICIENCY ASSESSMENT MODEL IN COMMERCIAL BANKS

Abstract. This article analyzes the improvement of the model for assessing the effectiveness of the deposit policy of commercial banks. During the research, econometric models were applied using data from three major commercial banks: “Oʻzsanoatqurilishbank” ATB, “Asakabank” ATB, and “Ipotekabank” ATB. Using the least squares model and structural vector autoregression methods, we studied the factors affecting the deposit base, including the inflation rate, exchange rate of the national currency, money supply, Central Bank refinancing rate, and interest rates in the money market. The results of the study serve as a basis for making scientific and practical conclusions on improving the deposit policy of commercial banks.Keywords: commercial banks, deposit policy, econometric model, inflation, interest rates, national currency, deposit base.